--- title: Steps in the Mortgage Process description: Steps in the process for buying a home. Follow these steps to make the process easier. image: https://blog.hvcu.org/hubfs/Shopper.jpg --- - [Personal](https://www.hvcu.org) - [Business](https://www.hvcu.org/Business) - [About Us](https://www.hvcu.org/About-Us) - [Online Services](https://www.hvcu.org/Online-Services) - [![location](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/location-icon.png) Find a Branch / ATM](https://www.hvfcu.org/About-Us/Contact-Us/location) - [![Careers Image](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/brief-case-img.png) Careers](https://www.hvfcu.org/About-Us/Careers) - [![Contact phone](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/phone-icon-img.png) Contact Us](https://www.hvfcu.org/About-Us/Contact-Us) [![HVCU_Logo_RGB_ADA](https://blog.hvcu.org/hs-fs/hubfs/NEW%20Hudson%20Valley%20Credit%20Union%20Logo/HVCU_Logo_RGB_ADA.jpg?width=398&name=HVCU_Logo_RGB_ADA.jpg)](https://www.hvcu.org/)   Routing Number : 221979363 [![Facebook](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/fb-icon-img.png)](https://www.facebook.com/HVFCU) [![Twitter](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/tweeter-img.png)](https://twitter.com/HVFCU) [![Instagram](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/ig.png)](https://www.instagram.com/hudsonvalleyFCU/) - [Accounts](https://www.hvcu.org/Personal/Accounts) - [Accounts](https://www.hvcu.org/Personal/Accounts) - [Become a Member](https://www.hvcu.org/About-Us/Become-a-Member) - [Account Rates](https://www.hvcu.org/Personal/Accounts/Rates/Savings-Rates) - [Checking](https://www.hvcu.org/Personal/Accounts/Checking) - [Visa Debit Card](https://www.hvcu.org/Personal/Accounts/Checking/Visa-Debit-Card) - [Check Reordering](https://www.ordermychecks.com/login_a.jsp) - [Savings](https://www.hvcu.org/Personal/Accounts/Savings-Holiday-Club) - [Kid & Teen Accounts](https://www.hvcu.org/Personal/Accounts/Kid-Teen-Accounts) - [College Savings](https://www.hvcu.org/Personal/Accounts/college-savings) - [Mortgage Savings](https://www.hvcu.org/Personal/Accounts/mortgage-savings) - [Certificate Accounts](https://www.hvcu.org/Personal/Accounts/Certificate-Accounts) - [Certificate Account Instructions](https://www.hvcu.org/Personal/Accounts/Certificate-Accounts/Certificate-Account-Instructions) - [Tiered Money Markets](https://www.hvcu.org/Personal/Accounts/Tiered-Money-Markets) - [Holiday Club & Special Accts](https://www.hvcu.org/Personal/Accounts/Special-Accounts) - [IRAs](https://www.hvcu.org/Personal/Accounts/IRAs) - [Coverdell Education](https://www.hvcu.org/Personal/Accounts/Coverdell-Education) - [Health Savings Account](https://www.hvcu.org/Personal/Accounts/Health-Savings-Account) - [PaySmart](https://www.hvcu.org/Personal/Accounts/PaySmart) - [Direct Deposit](https://www.hvcu.org/Personal/Accounts/Direct-Deposit) - [Account Settlement](https://www.hvcu.org/Personal/Accounts/Account-Settlement) - [Open an Account](https://www.hvcu.org/Personal/Accounts/Open-an-Account) - [Track Account Application](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=hvfcu12517&branchid=dc1ebdb85b694c4d815e301ea7140ce1) - [Credit Cards](https://www.hvcu.org/Personal/Credit-Card/Visa-Credit-Cards) - [Credit Cards](https://www.hvcu.org/Personal/Credit-Card/Visa-Credit-Cards) - [Rates](https://www.hvcu.org/Personal/Accounts/Rates/Loan-Rates) - [Visa Credit Cards](https://www.hvcu.org/Personal/Credit-Card/Visa-Credit-Cards) - [Loans](https://www.hvcu.org/Personal/Loans) - [Loans](https://www.hvcu.org/Personal/Loans) - [Rates](https://www.hvcu.org/Personal/Accounts/Rates/Loan-Rates) - [Apply for a Loan](https://www.hvcu.org/Personal/Loans/Apply-For-A-Loan) - [Track Loan Application](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=hvfcu12517&branchid=dc1ebdb85b694c4d815e301ea7140ce1) - [Secured](https://www.hvcu.org/Personal/Loans/Secured) - [Motorcycles](https://www.hvcu.org/Personal/Loans/Motorcycles) - [Boats & RVs](https://www.hvcu.org/Personal/Loans/Boats-RVs) - [Personal](https://www.hvcu.org/Personal/Loans/Personal) - [Personal Assistance Loan](https://www.hvcu.org/Personal/Loans/Personal-Assistance-Loan) - [Autos](https://www.hvcu.org/Personal/Loans/Autos) - [Private Seller Sale](https://www.hvcu.org/Personal/Loans/Autos/Private-Seller-Sale) - [AutoSMART](https://www.hvcu.org/Personal/Loans/Autos/AutoSMART) - [Inventory Search](https://www.hvcu.org/Personal/Loans/Autos/Inventory-Search) - [Dealer Network](https://www.hvcu.org/Personal/Loans/Autos/Dealer-Network) - [Leasing](https://www.hvcu.org/Personal/Loans/Autos/Leasing) - [Student Loans and Aid](https://www.hvcu.org/Personal/Loans/Student-Loans-and-Aid/Student-Loans) - [Student Loans](https://www.hvcu.org/Personal/Loans/Student-Loans-and-Aid/Student-Loans) - [Tuition Assistance/Scholarships](https://www.hvcu.org/Personal/Loans/Student-Loans-and-Aid/Tuition-Assistance-Scholarships) - [Free FICO® Scores](https://www.hvcu.org/Personal/Loans/Fico) - [Guaranteed Asset Protection (GAP)](https://www.hvcu.org/Personal/Loans/Guaranteed-Asset-Protection) - [HVPay (Loan Payments)](https://www.hvcu.org/Online-Services/Pay-Bills/HVPay) - [Credit Life & Credit Disability Insurance](https://www.hvcu.org/Personal/Loans/Credit-Life-Credit-Disability-Insurance) - [Making Loan Payments](https://www.hvcu.org/Personal/Loans/Making-Loan-Payments) - [Lending to Military Members & Dependents](https://www.hvcu.org/Personal/Loans/Lending-to-Military-Members) - [Home Finance Center](https://www.hvcu.org/Personal/Home-Finance-Center) - [Home Finance Center](https://www.hvcu.org/Personal/Home-Finance-Center) - [Mortgages](https://www.hvcu.org/Personal/Home-Finance-Center/Mortgages) - [Mortgage Options](https://www.hvcu.org/Personal/Home-Finance-Center/Mortgages/Mortgage-Options) - [Homebuyer Guide](https://info.hvcu.org/hvcu-homebuyer-guide-form) - [Mortgage Calculators](https://www.hvfcu.org/Personal/Home-Finance-Center/Mortgages/Mortgage-Calculators) - [Mortgage Rates](https://www.hvcu.org/Personal/Home-Finance-Center/Mortgages/Mortgage-Rates) - [Meet Our Loan Officer Team](https://www.hvcu.org/Personal/Home-Finance-Center/Mortgages/Meet-Our-Team) - [Apply For A Mortgage](https://www.hvcu.org/Personal/Home-Finance-Center/Mortgages/Applications) - [Track Mortgage Application](https://hvcu-pos.co.otdigitals.bkicloud.com/login) - [Mortgage Refinance](https://www.hvcu.org/Personal/Home-Finance-Center/Mortgages/Mortgage-Refinance) - [Home Equity & Solar Panel Financing](https://www.hvcu.org/Personal/Home-Finance-Center/Home-Equity-Solar-Panel-Financing) - [Rates](https://www.hvcu.org/Personal/Accounts/Rates/Loan-Rates) - [Apply For Home Equity](https://www.hvcu.org/Personal/Loans/Apply-For-A-Loan) - [Track Loan Application](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=hvfcu12517&branchid=dc1ebdb85b694c4d815e301ea7140ce1) - [Lending to Military Members & Dependents](https://www.hvcu.org/Personal/Loans/Lending-to-Military-Members) - [Insurance](https://www.hvcu.org/Personal/Insurance) - [Insurance](https://www.hvcu.org/Personal/Insurance) - [Personal Insurance](https://www.hvfcu.org/Personal/Insurance/Personal) - [Flood Insurance](https://www.hvcu.org/Personal/Insurance/Flood-Insurance) - [Medicare](https://www.hvcu.org/Personal/Insurance/Medicare) - [Life Insurance](https://mylifeapp.com/hvcuwealth) - [Accidental Death & Dismemberment](https://www.trustage.com/add/no-cost-coverage?orgIdentifier=000000009334&marketingCampaignCode=CEDDD2BDB&utm_source=000000009334&utm_medium=CULK_CU_email&utm_campaign=CEDDD2BDB&utm_content=CE000249) - [Pet Insurance](https://www.hvcu.org/Personal/Insurance/Pet-Insurance) - [Property Damage/Accidents](https://www.hvcu.org/Personal/Insurance/Property-Damage-Accidents) - [Claims Billing & Servicing](https://www.hvcu.org/Personal/Insurance/Claims-Billing-Servicing) - [Online Defensive Driving Courses](https://www.hvcu.org/Personal/Insurance/Online-Defensive-Driving-Courses) - [Business Insurance](https://www.hvcu.org/Personal/Insurance/Business-Insurance) - [Investment and Retirement](https://www.wealthathvcu.com/) - [Resources](https://www.hvcu.org/Personal/Resources) - [Resources](https://www.hvcu.org/Personal/Resources) - [Share Insurance Coverage](https://www.mycreditunion.gov/share-insurance) - [Account Disclosures](https://www.hvcu.org/Personal/Resources/Account-Disclosures) - [Fee Schedule](https://www.hvcu.org/Personal/Resources/Fee-Schedule) - [Forms](https://www.hvcu.org/Personal/Resources/Forms) - [Identity Theft](https://www.hvcu.org/Personal/Resources/Identity-Theft) - [Calculators](https://www.hvcu.org/Personal/Resources/Calculators) - [BALANCE Financial Fitness](https://www.hvcu.org/Personal/Resources/BALANCE-Financial-Fitness) - [Credit Reports](https://www.hvcu.org/Personal/Resources/Credit-Reports) - [Free FICO® Scores](https://www.hvcu.org/Personal/Loans/FICO) - [Accounts FAQs](https://www.hvcu.org/Personal/Resources/Accounts-FAQs) - [Loan FAQs](https://www.hvcu.org/Personal/Resources/Loan-FAQs) - [Personal](https://www.hvcu.org) - [Business](https://www.hvcu.org/Business) - [About Us](https://www.hvcu.org/About-Us) - [Online Services](https://www.hvcu.org/Online-Services) - [Personal](https://www.hvcu.org) - [Business](https://www.hvcu.org/Business) - [About Us](https://www.hvcu.org/About-Us) - [Online Services](https://www.hvcu.org/Online-Services) Quick Access - [Resources](https://www.hvfcu.org/About-Us/Resources/News) - [Careers](https://www.hvfcu.org/About-Us/Careers) - [Find a Branch / ATM](https://www.hvfcu.org/About-Us/Contact-Us/location) - [Contact Us](https://www.hvfcu.org/About-Us/Contact-Us) Routing Number : 221979363 Call : 845.463.3011 Additional Services - Credit Reports - Check Re-Ordering - Wire Transfers - Check Cashing The Website - Terms of Use - Privacy Policy - Site Map # Steps in the Mortgage Process Posted by [Sample HubSpot User](https://blog.hvcu.org/blog/author/sample-hubspot-user) on Mar 26, 2021 12:45:00 PM ![Sample HubSpot User](https://static.hsappstatic.net/content_shared_assets/static-1.4036/img/blog_author.jpg) Find me on: [Facebook](https://facebook.com/) [LinkedIn](https://linkedin.com) [Twitter](https://twitter.com/) - [Tweet](https://twitter.com/share) There are six steps in the home buying process. These may vary slightly from lender to lender, but will generally follow this order. Topics: [Insider](https://blog.hvcu.org/blog/tag/insider), [Mortgages](https://blog.hvcu.org/blog/tag/mortgages) ## Something Powerful ### Tell The Reader More The headline and subheader tells us what you're offering, and the form header closes the deal. Over here you can explain why your offer is so great it's worth filling out a form for. Remember: - Bullets are great - For spelling out benefits and - Turning visitors into leads. ### Subscribe Here! ### Recent Posts ### Posts by Tag - [Insider (2)](https://blog.hvcu.org/blog/tag/insider) - [Mortgages (1)](https://blog.hvcu.org/blog/tag/mortgages) - **PERSONAL** - [Accounts](https://www.hvfcu.org/Personal/Accounts) - [Credit Cards](https://www.hvfcu.org/Personal/Credit-Card/Visa-Platinum-Card) - [Loans](https://www.hvfcu.org/Personal/Loans) - [Home Finance Center](https://www.hvfcu.org/Personal/Home-Finance-Center) - [Insurance](https://www.hvfcu.org/Personal/Insurance) - [Investment & Retirement](https://www.hvfcu.org/Personal/Investment-and-Retirement) - [Online Services](https://www.hvfcu.org/Online-Services) - **BUSINESS** - [Accounts](https://www.hvfcu.org/Business/Accounts) - [Loans & Credit Cards](https://www.hvfcu.org/Business/Business-Lending) - [Financial Planning](https://www.hvfcu.org/Business/Business-Banking-Services/Financial-Planning) - [Insurance](https://www.hvfcu.org/Business/Business-Banking-Services/Insurance) - [Online Services](https://www.hvfcu.org/Business/Online-Services) - **ABOUT US** - [Get To Know Us](https://www.hvfcu.org/About-Us/Get-to-Know-Us) - [Community](https://www.hvfcu.org/About-Us/Community) - [Careers](https://www.hvfcu.org/About-Us/Careers) - [Resources](https://www.hvfcu.org/About-Us/Resources/News) - [Contact Us](https://www.hvfcu.org/About-Us/Contact-Us) - **ADDITIONAL SERVICES** - [Credit Reports](https://www.hvfcu.org/Personal/Resources/Credit-Reports) - [Wire Transfers](https://www.hvfcu.org/Online-Services/Pay-Bills/Wire-Transfers) - [Check Reordering](https://www.ordermychecks.com/login_a.jsp) - [Check Cashing](https://www.hvfcu.org/About-Us/Contact-Us/Branch-Services#checkcashing) Routing Number : 221979363 HVCU Prepaid Visa Routing Number: click here - [![Facebook](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/fb-icon-img.png)](https://www.facebook.com/Hvfcu) [![Twitter](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/tweeter-img.png)](https://twitter.com/Hvfcu) [![Instagram](https://blog.hvcu.org/hubfs/HudsonValley_May2019/Images/ig.png)](https://www.instagram.com/hudsonvalleyFCU/) × **HVCU Prepaid Visa Routing Number**   021984532 - **OTHER** - [Resources](https://www.hvfcu.org/Personal/Resources) - [My Account](https://www.hvfcu.org/CommonContent/SiteFooter/Website-Accessibility-Policy#) - [Online Services](https://www.hvfcu.org/Online-Services) - [Find a Branch / ATM](https://www.hvfcu.org/About-Us/Contact-Us/location) - **WEBSITE** - [Privacy Policy](https://www.hvfcu.org/Terms-Privacy/Privacy-Policy) - [Terms of Use](https://www.hvfcu.org/Terms-Privacy/Terms-of-Use) - [Site Map](https://www.hvfcu.org/Site-Map) **STAYING IN TOUCH** - PO Box 1071, Poughkeepsie, - NY 12602-1071 - Phone: - 845.463.3011 | 800.468.3011 Lending to our Military Members and their Dependents [HVCU is federally insured by the NCUA](https://www.ncua.gov/)     [![Equal Housing Opportunity](https://blog.hvcu.org/hubfs/Equal%20Opportunity%20Lender/equal-housing-opportunity-logo-png-transparent.png)](https://www.hvfcu.org/Personal/Home-Finance-Center/Mortgages/Equal-Housing-Lender) Unauthorized Access Warning – Access to Internet Banking is restricted to authorized HVCU members only. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. [Learn more.](https://www.hvfcu.org/CommonContent/SiteFooter/Website-Accessibility-Policy)   © 2023 Hudson Valley Credit Union