Data tokens on this page

WHY WINTRUST MORTGAGE?

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.

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.*

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 is a Mortgage?
What is a Mortgage?
What is 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 until the mortgage is paid off.

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.

Myhome Mortgage

SO...
WHAT DO YOU NEED TO GET STARTED?

SO,
WHAT DO YOU NEED TO
GET STARTED?


SO,
WHAT DO YOU NEED TO GET STARTED?


Social Security number and birthdate

Two years’ employment history

Last 30 days’ pay stubs

Additional Income: legal documentation of alimony and/or child support income along with 12-month payment history

Two years’ W-2 tax forms and tax returns (the complete tax return including all schedules)

Self Employed? Two years’ business tax returns & K1s (the complete tax return including all schedules)

All pages of the last two months’ bank statements

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

 

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 premier buyer letter to give to your real estate agent to show you're a serious potential homebuyer. 
 

WANT MORE INFORMATION?

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.
 

*Restrictions apply depending on program selected. Programs, rates, terms, and conditions are subject to change at any time and without notice. All approvals are subject to underwriting guidelines.