The Process

Our roadmap for homebuyers simplifies the mortgage process and provides the highest-level pre-approval. Close quicker, gain leverage with sellers, and ensure you meet your closing date. Mortgage Smartly™

2. Find My Home

Once you have found your home, lock in the lowest rate with RHMC. RHMC's Rate Lock Guarantee locks your rate in writing, regardless if/when rates rise.

4. Underwriting

RHMC ensures the property and appraisal are acceptable, and combines that info with your application. When completed RHMC will issue a commitment to lend.

1. Get Pre Approval

Call or click on Get Started to receive a free RHMC Pre-commitment. This helps you know exactly how much you can borrow, gain leverage with sellers, and close on your home quicker.

3. Appraisal

A third party provides an independent estimate of your potential home. With a Pre-Commitment RHMC will pay for your appraisal costs at closing.

5. close on Property

Prior to closing, make sure RHMC has received all requested documentation. You will sign all necessary documents to obtain legal title to own your new home.

BUYING A HOME

If you are deciding on a home purchase loan, you want the interest rate, monthly payment and term options that best fit your personal situation.

REFINANCING

Rates are a record low. When you work with RHMC, our rates are always lower than the national average. This option could mean significant savings.