At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best.
Start Your Application
The first step is to fill out an application. You can do this by working with a Mortgage Loan Originator at your local branch or by applying online.
There are some documents that you will need to gather to go with your application
Residence history for the last two years
Employment history for the last two years
Income information for the last two years
Year to date pay stub
W2s for the last two years
Tax returns for the last two years
Deposit, Retirement and Equities account information
Real Estate information
Our underwriting team will work to review everything.
Once we have your application and all of the documents that are needed, our underwriting team will work to review everything that has been provided. At this time, we will also ensure that we have answered all your questions and make sure that we have all the documents needed based on your specific financial need.
Sign Your Closing Papers
Once your loan is finalized, we will send you closing disclosures to review.
These disclosures will include the final third-party costs, mortgage balance, and prepaid costs. We will work with you to schedule the closing and get all necessary documents signed.
Manage Your Application
We make managing your mortgage application simple.
You can use our Simply Happy mortgage app to manage your mortgage application from anywhere.
Simply Happy Mortgage App
Our Simply Happy mortgage app allows you to easily apply for a home loan, securely upload documents, message your loan originator, and manage your mortgage from anywhere.