1		Contact a loan officer to discuss your individual financial situation.
2		Your loan officer will contact you to assess your situation and determine your financial goals. Expect to discuss the following information: estimated value of your home, your credit history, and your home's equity.
3		Based on the information collected and your credit report, your loan officer will quote you an interest rate and APR and the loan amount that you are likely to qualify for.
4		Your loan officer will request financial documents and set an appointment for an appraiser to meet you to assess the value of your home.
5		With your application now complete, your loan officer will notify you when your loan is approved. At this time an appointment will be made for signing the loan papers. You will receive your funds shortly after that.