Loan Process and Application

Follow these steps to ensure a smooth and timely completion of your loan process.

NFC's Steps to an NFC Loan provides an overview of the NFC Loan Process.  

If you would prefer to talk to a loan originator before starting a loan application, please contact NFC by email or call 246-0010 to schedule an in-person or phone appointment.

NEW! Online Mortgage Application!

If you would like to apply for a loan, and to expedite the process, please complete our online application.  Click for additional instructions.

Submitting an online application is safe, secure and easy!  Once you submit your online application, we will automatically create an account for you that can be used to upload PDF documents needed for your loan application as well as provide you with access to updates on your loan application process. Upon completion of the application, you will be contacted for payment of the $38 non-refundable application fee to order a credit report.

Click here if you experience technical difficulties with the online application process.

If you are not able to complete our online application, you may also download our paper application below. 

• If you would like to be pre-qualified to purchase a home in an NFC lending area, return a completed NFC Pre-Qualification Form with the $38 non-refundable application fee to NFC.

• If you would like to apply for a loan, return a completed application and NFC cover page with the $38 application fee to NFC.

NFC now accepts Master Card, Visa, Discover and American Express for the application fee

Tips on a successful application:

 If you are purchasing a home, provide a fully executed purchase contract to NFC

 NFC inspection is to be ordered by an NFC loan originator

 Upon receipt of the NFC inspection, renovation requirements will be discussed with the buyer

 The buyer will need to obtain bids for the required renovation: Our homebuyers must obtain bids from independent contractors to do the proposed rehabilitation. The Bid Process provides guidelines for the homebuyer, the Realtors and the independent contractors

 Upon receipt of the bids, collect a $550 non-refundable application fee to order the appraisal and other documents required for closing your loan

 Upon receipt of the appraisal, final underwriting to occur

 Closing to be scheduled

• Property repairs and improvements CANNOT be completed prior to closing on the NFC loan. NFC will NOT reimburse for work completed prior to the NFC loan closing.

For more information, please contact an NFC Loan Originator

• Joni Norman, Loan Originator, NMLS #26251, 273-1368 |

• Richie Allen, Loan Originator, NMLS # 521207, 273-1370 | 

If you would like to schedule a time to meet with a Loan Originator please call NFC at 515-246-0010 or email NFC through the CONTACT button at the top of this page.