Data tokens on this page
Your New Home
Begins Here
Your New Home
Begins Here
Not sure how to get started? Our loan experts are here to help you through every step of the mortgage process.
Your New Home
Begins Here
Not sure how to get started? Our loan experts are here to help you through every step of the mortgage process.
Why Wintrust Mortgage?
Why Wintrust Mortgage?
Because buying a home is a big decision, and we take that seriously. We’re here to help you find the loan that’s perfect for you, while making the process easier to navigate.
Because buying a home is a big decision, and we take that seriously. We’re here to help you find the loan that’s perfect for you, while making the process easier to navigate.
Local Lending Experts
Local Lending Experts
Lenders who have local expertise plus nationwide lending.
Flexible
Loan Options
Flexible Loan Options
The perfect loan for you—including low down payment options.1
Superior
Customer Service
Superior Customer Service
Real people to guide you through from start to finish.
Secure
Application Process
Secure Application Process
A fast, simple, secure process in person, over the phone, or online.
What’s a Mortgage?
What’s a Mortgage?
A mortgage is a loan from a financial institution, at a specific interest rate over a specific period of time, to help finance the purchase of a home. The home you purchase is used as collateral. The lender holds the title to the property until the loan is paid in full.
Each month, you pay a portion of the principal (amount of money borrowed), interest, property tax, hazard or homeowners insurance, and in some cases mortgage insurance.
So, what do you need to get started?
So, what do you need to get started?
Social Security number and birthdate
Social Security number and birthdate
Two years’ employment history
Two years’ employment history
Last 30 days’ pay stubs
Last 30 days’ pay stubs
All pages of the last two months’ bank statements
All pages of the last two months’ bank statements
Additional income: legal documentation of alimony and/or child support income along with 12-month payment history
Additional income: legal documentation of alimony and/or child support income along with 12-month payment history
Self Employed? Two years’ business tax returns & K1s (the complete tax return including all schedules)
Self Employed? Two years’ business tax returns & K1s (the complete tax return including all schedules)
Two years’ W-2 tax forms and tax returns (the complete tax return including all schedules)
Two years’ W-2 tax forms and tax returns (the complete tax return including all schedules)
All pages of the statements for current assets (IRAs, CDs, employee retirement accounts, stocks and bonds)
All pages of the statements for current assets (IRAs, CDs, employee retirement accounts, stocks and bonds)
Names and addresses of all creditors, monthly payments, and total amounts due for all current loans
Names and addresses of all creditors, monthly payments, and total amounts due for all current loans
Ready to begin? First, pre-qualify.
Ready to begin? First, pre-qualify.
Before you start looking for your new home, it’s important to get a strong sense of your budget. Pre-qualification is a simple, no-obligation step to help you determine how much you can afford, how much you’ll need for a down payment, and how much you’re likely to pay every month after closing.
Once you're pre-qualified, you'll receive a PremierBuyer™ letter2 to give to your real estate agent to prove you're a serious potential homebuyer.
Want more information?
Want more information?
Get comfortable with the mortgage process in our Learning Center. From a glossary of mortgage terms to the latest housing market insights, let us be your go-to homebuying resource.
1. Underwriting. All approvals are subject to underwriting guidelines. Programs, rates, terms, and conditions are subject to change at any time and without notice. Restrictions apply depending on program selected.
2. PremierBuyer™ letter. A PremierBuyer™ letter is our service mark name for a prequalification based on the borrower's credit report, limited asset and income documentation, and an approval from our automated underwriting system. All approvals are subject to underwriting guidelines.
