Yes, you will need to create an account to start the application process. Creating an account and signing on simply allows you to save your work and complete the application later if you are pressed for time. In the event you cannot complete your application your progress will be saved. You will simply sign in to your account and be directed to complete your application
Will you sell any of the information I provide?
We will not sell any information you provide to Southside Bank and we maintain the highest standards of information security.
Does completing the information on this site commit me in any way?
Not at all. There is no commitment other than the time it takes you to provide your information. Your first monetary commitment would be paying for your appraisal should you decide to move forward with the processing of your loan. You are never committed to the loan until you sign your final closing documents with a notary and then, if applicable, the 3-day rescission period has expired.
Will my credit report be run if I complete this application?
For convenience, you have the option of authorizing your credit to be run as part of the online application. If you authorize us to run it through the online process, we will run it once you submit the application to us or once we’ve reached out to you to verbally confirm the request.
How long will it take to close my loan?
Our turn times are typically under 30 days from the time we submit your loan to processing. Your loan is submitted to processing shortly after you confirm your intent to proceed and you provide us certain basics such as your income and asset documentation as applicable. If you are in a purchase situation with specific time pressures, we make every effort to close within your timeframe so you won’t miss your closing date. Our lenders will always let you know upfront if it’s reasonable to close your loan within your specified timeframe.
Why are you asking if I have a lender I am working with?
To make sure you’re connected efficiently. If you select your lender, your application will go straight to that lender only.
How much does it cost to apply?
We don’t charge any upfront fees, however, the majority of applications will require an appraisal for loan approval. You will be asked to cover the cost of an appraisal upfront if you decide to move your application forward to processing.