Check your credit report
The information contained in your credit report helps to determine your loan eligibility as well as the amount OCCU is willing to lend you for a home. To make sure you're on the right track before applying for a loan, check your credit report. If your report isn't quite ready for homebuying, give OCCU a call or speak with a loan officer to find simple ways to improve your credit.Check Your Credit
Plan your budget
An OCCU loan officer will help you discover how much you'll be able to spend on a home. But before you decide to spend the full amount, there are other factors to consider. To learn more about the unexpected costs, review our 10 Unexpected Costs of Owning a Home guide. Then, calculate what you can afford with the Home Affordability Calculator.Read Guide
Gather your documents
There are a handful of documents you'll need as you apply for a mortgage loan. To be prepared for your application and to even speed up the process, you should gather your documents into an organized folder early on. Find out which documents you'll need with our helpful checklist.Download Documents
Apply for pre-qualification
Now that you know a little more about the mortgage loan process, it's time to take your first step toward your new home! To pre-qualify for a mortgage loan with OCCU, fill out the application below.Apply
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