Janet will do everything we can to get your loan application approved. In some cases, we are not able to approve a loan application because it does not meet guidelines. If that occurs, we do offer a full range of alternative loan programs for which you may qualify, and we will be glad to take another application so that you can reach your home ownership goals.

If WR Starkey Mortgage approves your loan application, then we will give you a conditional approval. It is conditional because we may need some additional information or action from you (sometimes called 'closing conditions') before we can close your loan. Typical closing conditions are proof of hazard insurance on your home, flood insurance (if the home is in a federal flood zone), clear final inspection from the appraiser (if the house is new construction), etc.