Start Your Home Loan Application Online
Blackhawk Bank began serving residents of Southern Wisconsin and Northern Illinois to provide home buyers with a better buying experience. Anyone who's ever tried to buy a home knows the feelings of uncertainty that come with your mortgage application. Sometimes, even after a lender sends you a letter of pre-approval, the loan falls through for reasons beyond your control.
At Blackhawk Bank, we set out to offer home buyers a worry-free lending process that your loan will close, and that's exactly who we are today.
What Makes Blackhawk Bank Different
With Blackhawk Bank you can be confident that the loan you are offered is the loan you will get. We stand behind our letter of approval 100 percent, so you are guaranteed financing at closing. This means that buyers, sellers and real estate agents can trust that the deal will go through no matter what.
In fact, if it doesn't go through, we'll pay you $1,000 for your trouble. We can also work with your USDA home loan application or your VA home loan application. Check out our calculators to find out how much you qualify for!
How the Home Buying Process Works
Before you start shopping for your new home, you should always apply online for a home loan. Once you complete your home loan application online, we will review your application, and we will contact you to let you know how much of a loan you are pre-qualified for.
Next, you and your agent can work together to identify the perfect house and draft a sales contract. Next, we will need an appraisal to verify the value of the home being purchased, and send all of the information to our underwriter. You will get a response within three days to schedule your closing.
Then it will be up to you to get insurance and any other provisions of your contract taken care of before closing. Finally, you will sign the papers and get the keys to your new home. Shop our home loans and apply online today!
Tips for a Problem-Free Mortgage Closing
In order to get through closing with as few hurdles as possible, it is important that you try to keep your credit and bank account balances as close as possible to the amounts listed on your application. Any large cash deposits must come from a verifiable source. Do not apply for any new credit or attempt to consolidate debt during this time.
Contact Blackhawk Bank today to learn more about our streamlined mortgage process!
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