How the Process Works for Police Officer Mortgages

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How the Process Works for Police Officer Mortgages

House hunting can be exciting, but if you’ve never applied to a police officer mortgage in the past, it’s natural for you to have a lot of questions about how the process works, and how long the approval will take.

The good news, is that when you work with Home Loans Today you’ll be working with a dedicated team of professionals who is committed to helping this process go as fast and seamlessly as possible.

First Steps

When you’ve decided it’s time to take the leap into home ownership, you’ll want to call our office at 866-919-2064, so you can be connected with a professional police officer mortgage consultant.

Your first point of contact will be with a Mortgage Loan Original, and the MLO will start by asking you to provide them information about the size of down payment you have to work with, whether you have a favorable credit history, and what you current income looks like, since these are the three key factors that will determine your eligibility to receive a mortgage.

Once eligibility is determined, we’ll ask you to provide us with some additional, supporting documentation, which will include items such as:

  • Two years of W2s
  • A copy of your driver’s license
  • Two years’ worth of tax returns
  • 30 days of pay stubs
  • Two months’ worth of statements for investment and/or retirement accounts

The MLO will review the initial packet of documentation for completeness and when everything looks good, you’ll be connected to a police officer mortgage loan processor (also known as the LP), who will be your primary contact for the duration of the application process.

Review and property appraisal

When the LP receives your packet, they’ll once again review everything for completeness. In this stage, it’s not unusual for them to request additional documentation, so if you’re asked to gather more information, don’t worry.

Once everything seems to be in order, the LP will help schedule a property appraisal for the home you’ve made an offer on. You’ll want to keep in mind that the average cost for an appraisal is about $400, but this can vary based on where the home is located.


When the appraisal is done and your application packet is complete, the LP will pass your file to an underwriter, who will grant the conditional approval for your police officer mortgage. The last step in this process, involves pulling the home’s title report. If the title is clean, your file will be passed to the closing agent.

This is the most exciting part of the police officer mortgage application process, because once you and the seller sign your respective documents, the home loan will be funded!

Trusted Police Officer Mortgage Provider

For more information on how police officer mortgages work, or to get additional information on approval timelines, call Home Loans Today at 866-919-2064 to speak directly with a Washington-based home loan specialist.

Call today to learn why we’re the most trusted provider of police officer mortgages in the Pacific Northwest.

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