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The Mortgage Process

We have broken this down into 6 stages.

Stage 1 – Discuss your request with your Banker. At this stage our First Citizens representative at any of our branches would pre-qualify you and you would be given a Mortgage Checklist outlining estimated costs associated with completion of the purchase along with the critical documentation required.


Stage 2 - Present the required documentation to your Loans Officer.


Stage 3 - Obtain final approval within 5-7 days of presenting your documentation. A Letter of Offer will be issued which highlights all the terms and conditions of the mortgage loan.


Stage 4 - You will have up to 14 days to accept the Letter of Offer and pay the negotiation fee which is non refundable.


Stage 5 - Once Letter of Offer is signed and fee is paid, an attorney on Bank’s panel, selected by you, will commence the legal work which includes the conduct of title searches.


Stage 6 - Once there are no complications with the title search you would be contacted to visit the lawyer to sign the Deed of Conveyance and Mortgage Deed.


The entire process from loan origination to closing the sale can take up to 6 weeks.

  • paper order
  • efirst
  • Point of Sale Terminal
  • Classic Credit Card “Shopping”