Loan Processing Steps

Whether you need a loan for purchasing or for building, regardless of whether you are a Non-homeowner or already a Homeowner, here is a general outline of the steps that you should follow:

  1. Generate an NHT eligibility letter or use our mortgage calculator to determine your affordability.
  2. Identify the property that you intend to purchase or build on.
  3. Gather all the documents needed.
  4. Take all the documents to our Customer Service Department (or Mortgage Information Department).
    • No appointment is required for this step
    • There is no cost attached to this step
  5. Prepare all the required prequalification documents outlined in the Loans Checklist. Customers may submit documents via email at, as an alternative to physically visiting our offices to submit documents for loan interviews.
  6. Contact  us to set an appointment for a Pre-qualification Interview
  7. Attend a Pre-qualification Interview, taking with you all the required prequalification documents.
    • There is no cost attached to the step
    • All issues that need to be discussed/resolved will be addressed during this interview (E.g. Structural Engineer's Report, Valuator's Letter, etc.)
    • You will be contacted within 5 working days with a Loan Interview date following the prequalification interview
  8. Attend a Loan Interview at our New Loans Department.
    • There is no cost attached to the step
    • At the end of this interview you should obtain a Letter of Commitment.
  9. We will then process your loan and contact you once processing is complete.
  10. If you are accessing a Build on Own Land Loan then you will be contacted by our Project Appraisal and Management Department.
    • An interview will be scheduled
    • The process will be explained to you
    • A contract will be signed and a Project Officer assigned to you