Get your top questions answered

Whether you have questions about how to start house hunting or what type of home loan is right for you, or you want to learn more about the home buying process, we’ve got answers.

We have valuable resources and answers to some of the most frequently asked questions about buying a home. And as soon as you’re ready to begin, contact us.

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Call 1-844-777-2689
TTY 1-800-659-5495


Make payment via Online Banking or Western Union SpeedPay.

Common home buying questions answered

Pre-house hunting, here’s what to do


Improve your credit score

  • Keep balances low on credit cards and other "revolving credit" cards
  • Pay off debt rather than transferring it to another credit card
  • Don't close unused credit cards as a strategy to raise your score
  • Don't open a number of new credit cards just to increase your available credit

And before you can even begin to look for a home…

  • Do a review of your finances
  • Check into programs, benefits and credits for first-time home buyers
  • Find a realtor

Take the first step towards home ownership

Shopping for a home is exciting, especially if you’re a renter looking for your first home. While it may be one of the biggest purchases you may make in your lifetime, we can help to simplify the process.


Find the home loan that’s right for you


Mortgage prequalified vs. preapproval. There IS a difference.


How to “hire” a real estate agent


Real estate terms you need to know

It usually takes 6 to 8 weeks from the date of your application until the HELOC funds are available, if your application is approved.


Step 1 - We call you in 1 to 3 days after you submit your application to request any additional information.


Step 2- Depending on how you prefer to be contacted, we’ll email or call you with our credit decision.


Step 3 - We will arrange for an appraisal of your home. Whenever possible, for HELOC applications we will obtain only exterior appraisals, but some cases warrant an interior inspection such as a high property value, unique property type, or if the home sits on a parcel of land over 5 acres.


Step 4 - Sign your closing documents. Bring your paperwork and government-issued ID to the branch to have it notarized. Or we can schedule a notary to come to you. Be sure that each person on the home’s title, including the trustees of a revocable living trust (when applicable) can be present in addition to the HELOC applicant(s). We will let you know who is required to sign your loan documents.


Step 5 - The deed of trust or mortgage granting the Bank a security interest in the property is recorded. If your line of credit is secured by a primary residence, there will be a 3-business day waiting period before we can provide access to your funds. In some cases, the wait could be longer while the Bank waits for the deed or mortgage to be recorded. If requested, at the end of the waiting period, funds from your line of credit can be deposited directly to your Bank of the West account.

Legal information and Disclosures

All loans subject to credit approval, standard mortgage qualifications and underwriting requirements. Additional fees, conditions, and restrictions may apply.