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At Clear Mountain Bank, the safety of our customers, team members, and community is our highest priority. At this time, our branch lobbies are operating with limited access. Our COVID-19 resource page is provided to help you remain informed on the changes, frequently asked questions, and how to bank without coming into the branch.

Small Business Header Stripe

Small Business Relief:
PPP loan application deadline extended until August 8th with $130 billion in remaining PPP funds. We are here to help you with the application and forgiveness process. Learn More.

Mortgage Process

First-Step Certified

Get pre-approved easily online or in person. With the pre-approval letter in hand, you will know exactly how much you can afford and show sellers you are a serious buyer.

Application

Your Mortgage Loan Specialist will assist you in completing a mortgage loan application and also ask you to provide supporting documentation such as pay stubs, tax returns, W2s, and bank statements.

Appraisal

At Clear Mountain Bank, the appraisal management process is completed by us and is not outsourced to out-of-state third parties. We team up with local appraisers to ensure your appraisal is completed efficiently and accurately.

Initial Underwriting

An underwriter will review your application and documentation such as credit, income, and assets to ensure accuracy of the information you provided in your application. Underwriting your loan while we wait for the appraisal to be completed allows your process to keep moving forward.

Approved with Conditions

Congratulations! You are now approved with conditions. Conditions are items or documents needed to clear your loan to close. Your Mortgage Loan Specialist or Mortgage Loan Processor will contact you to assist in fulfilling those conditions.

Final Underwriting

The underwriter will review the appraisal and your loan to verify that all conditions have been satisfied. Your loan process is now complete and ready for closing.

Closing!

Welcome Home! We work with local attorneys to coordinate the closing of your loan and send you the Closing Disclosure at least 3 days prior to closing. This ensures that the closing will be a smooth and exciting experience.

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We want to hear about your experiences at Clear Mountain Bank. If you have a comment, suggestion, or just want to let us know about a great experience you had at your local branch, please send us your feedback using the form below. Don’t include any confidential personal information or account numbers in your comments. Please note that this form is for general comments only. If you have a question or problem that needs immediate attention, please visit the Contact page.