The information needed to get started will depend on where you are in the process.
- If you are just exploring rates: You can use the mortgage rate estimate tool. You only need to provide a few basic details, such as your ZIP code, target home price, and approximate credit score. No credit check is required.
- If you already own a home and want to explore refinancing opportunities: You can enroll in refinance monitoring. To get started, you will need to securely link your current mortgage and provide information about your property. We will then notify you if rates drop enough to create a potential savings opportunity.
- If you’d like to obtain a preapproval letter: If you are preparing to make an offer on a property, you can obtain a preapproval letter by completing a mortgage application at no cost. Once your application is complete, your preapproval letter will be available for download online.
- If you are ready to formally move forward with a mortgage: You can complete a full online loan application through the Flourish Lending platform. Our loan officers are available to support you at any point along the way.