Buying a house is a big deal. And you’re a big deal to us.

If you’ve found your first home, our First-Time Homebuyer Program gives you the knowledge, confidence, and support everybody needs. If you’ve done it before, you’ll appreciate Navigant’s style: agile, responsive, and ready to make your mortgage process an easy experience.

As with any major financial transaction (and it’s hard to think of a more important one than your home), how we all work together matters. Our promise: we’ll always react quickly to your questions, issues, and deadlines. Occasionally our team members may need you to react quickly, as well. Thanks in advance – and let’s go!

Get started today. Here’s how it works.

This first step establishes your budget, telling you exactly how much home you can afford. We check your credit, verify your documentation, and approve a specific amount and loan program based on your income and debts.

Navigant Credit Union will obtain a credit report that shows your credit score and credit history as reported by third parties and respected institutions. To learn more about credit scores and reports, click here.  If you haven’t seen your own credit report for a while, consider pulling it before we do and correcting any mistakes. Get your free credit report here.

When you find a home you love and make an offer, your mortgage pre-approval makes the seller confident about accepting it – and may even put it ahead of other, higher offers that are not pre-approved.


Your mortgage application will require information from several documents. Click here to download a printable PDF of the full list of required documents.

When you’ve found your home, connect with one of our mortgage specialists. He or she will take you through the various loan options, help you choose the one that’s right for you, and go over the documents you’ll need to finalize your application.

After you provide us the required information (see below) we’ll produce the Loan Estimate.


Here’s the property information you’ll need to provide on your loan application. Your real estate agent should be helpful in gathering some of it.

  • Street address
  • Expected sales price
  • Type of home (single family residence, condo, etc.)
  • Size of property
  • Real estate taxes (annual)
  • Homeowners Insurance
  • Homeowner’s association dues (HOA) - for Condo's
  • Estimated closing date

Membership with Navigant Credit Union is required for us to process your loan request. If you’re not a member yet, click here to open an account now.

Navigant Credit Union will arrange a seamless handoff from your mortgage specialist to one of our Loan Processors. He or she gathers the necessary documentation and assembles a complete package for the underwriter.


At this stage, Navigant pulls your credit report (if we haven’t already for a pre-approval), verifies your employment and bank deposits, orders a property inspection (if required), and orders a property appraisal and title search.

Click here to download a printable PDF of the full list of required documents.

The underwriter is a key team member, making sure you match the requirements of the loan product for which you applied. (For example, if you’re getting a VA loan, the underwriter will verify your military service.)

After the underwriter approves your mortgage, and before the closing, the interest rate for your loan is locked and can’t change.


We will verify your application and let you know if we need more information about any of the following:

  • Fully signed P&S with all addendums/amendments
  • Sufficient assets to close
  • Sufficient home insurance to cover your loan amount
  • Documentation of any additional debt obtained after you applied for your loan
  • Fully signed construction contract for construction loans
  • Completed tax returns
  • Full list of all properties owned
  • Full list of all businesses owned
  • Completed documentation of any private mortgages

Before closing on your mortgage, you can expect to receive documents required by state and federal law as well as contractual documents. 

Three days before the closing, you have the right to receive and review the Closing Disclosure. We also order title insurance before the closing so that you can walk away from the closing with the keys to your new home.


Check on your closing costs. If closing costs are not rolled into your mortgage, talk to your loan officer about how you’ll transfer the closing costs either electronically or via cashier’s check.

Closing costs include settlement fees (the cost of doing the loan) plus any prepaid expenses such as taxes and insurance put in an escrow account.

Not all mortgages have an escrow account. If your mortgage loan does not have an escrow account, then you’ll be paying your property taxes and homeowners insurance directly. You can decide if you would like us to escrow for insurance and/or taxes. Escrow is required if the loan to value ratio is greater than 80%.

It’s time to sign a stack of documents and complete your transaction. If everyone involved understands the terms and the documents they’ll be signing, the closing itself should go quickly.


Please bring:

  • Two official forms of identification such as a driver's license and passport.
  • Your checkbook for “cash to close” and any small differences in the estimated balance owed and the final amount.
  • If home insurance proof is still outstanding (it shouldn’t be), a binder that shows sufficient coverage.


We’re ready when you are.

Thank you for your interest in financing your new home with Navigant Credit Union. We have an efficient process from start to finish, experts to guide you, and we all work to exceed your expectations.

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