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Home Buying 101


Show sellers you're ready, willing, and able to buy with free preapproval from CEFCU. It's quick, easy, and you can do it all online.

Get Started Loan Checklist

Rate Lock

Protect yourself against rising rates -- even before you find a home. With Smart Lock, you can lock your rate for 90 days.

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Mortgage Application

Your CEFCU Home Loan team will help you work through the application process. We'll discuss your finances and the home you want to buy.

Use the Home Loan Checklist for the list of documents you'll need to get through the process easier and faster.

If you have questions during the application process, we're here to help.

Home Loan Checklist Check Loan Status Apply Rates


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Final Steps

Here's what happens between the time you find a home and apply for your loan, and the day you move in!

  • Appraisal: CEFCU will have the home appraised. It will be compared to other, similar, recently sold homes.
  • Private Mortgage Insurance (PMI): If you have a low-down-payment loan, you'll need PMI, so a PMI company will approve your loan.
  • Formal Approval: A CEFCU Home Loan Manager will review your file and authorize a final, formal loan approval.
  • Loan Closing: A meeting where you sign the final loan documents.

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Closing Costs

CEFCU may help pay your closing costs — find out more.

See Special Offers



Find home buying resources.

Credit Score

Know what your score is and how to improve it.

Homeowners Insurance

Insure your home now.


Get answers to your questions.


Learn what escrow is.

Private Mortgage Insurance

Learn what it is and how to request cancellation.