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How to Get a Loan

Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process

STEP ONE -- Apply Now! Getting started is easy

Get pre-approved before you start looking for a home! 

Stand out from all the other buyers with a pre-approval letter from The First National Bank Of Cold Spring.  A pre-approved buyer will have an advantage when your offer is presented to the home owner.  Most sellers are well informed about pre-approval letters, and will require  future buyer(s) to go through the approval process before accepting their offer.  This could be very important in a multi-offer situation.  To get started, select an application from the list on the left.
 

If you've already selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.

At the appropriate time we'll order a property appraisal for you.

STEP TWO -- Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!
 

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Granite Community Bank NMLS #412732
202 2nd Ave So, P.O. Box 416, Cold Spring, MN  56320
Direct:  (320) 685-8611
Toll Free:  (800) 685-4004
Fax:  (320) 685-5265
info@gcbmtg.com
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