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Mortgage Loan Process

Apply For Mortgage Icon
Step 1

Apply online, over the phone or in person.


Meet With a Mortgage Lender Icon
Step 2

Meet your loan officer to discuss your application information and select the mortgage product best for you. 

1 day

Sign Documents And Disclosures Icon
Step 3

You provide the required loan documents and sign initial disclosures. 

3-5 days

House Appraisal Icon
Step 4

Macatawa Bank orders the appraisal and begins the underwriting process. 

12-14 days

Step 5

We review approval requirements together.* 

1-3 days

Approving Loan icon
Step 6

Macatawa Bank approves the loan and schedules closing.*

7-10 days

Mailing Disclosures Icon
Step 7

Macatawa Bank mails closing disclosures.** 

2-3 days

Review Closing Docs Icon
Step 8

Review closing disclosures for a minimum of 3 business days.**

3 days

Sign Documents Icon
Step 9

Sign closing documents. 

1-3 days

Mortgage Loan Process Icon

Process usually takes
30-40 business days.

Get started online

Apply or get pre-qualified for any of our Mortgage options by clicking the buttons below.

Apply now for a mortgage

Get prequalified for a mortgage

Have questions?

Call us at (877) 820-2265 to schedule an appointment with a Mortgage Loan Officer or fill out the contact form below and we will have one of our Loan Officers reach out to answer any questions you have.

*All loans are subject to credit approval. Delay in providing documentation to the bank will result in delay of approval.
**Required by federal law.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

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