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  1. The Bank of America Digital Mortgage Experience® puts you in control. Prequalify to estimate how much you can borrow, or apply for a new mortgage online. You can also refinance your existing mortgage.

    • Mortgage FAQs

      Enroll in Online Banking for online access or, if you've...

  2. Once you find a home that meets your preferences, needs and budget (and the seller accepts your offer, of course!), it’s time to apply for your loan. You’ll need to select a lender and complete an application. Depending on the lender, you may be able to apply in person, by phone or online.

  3. View rates, learn about mortgage types and use mortgage calculators to help find the loan right for you. Prequalify or apply for your mortgage in minutes.

  4. You'll need your application number or another account number to get started. Enroll. Check Your Application Status/Submit Documents Online. Easily track your mortgage application progress every step of the way with Bank of America's Home Loan Navigator®.

  5. Mortgage rates valid as of date/time and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM and 10 years for ...

  6. Start online. Submit your secure application online — there’s no fee and no obligation, and it only takes about 15 minutes. Start your application now.

  7. Enroll in Online Banking for online access or, if you've already enrolled, log in to Online Banking. On the Accounts Overview page, select Mortgage . On the Account Details page, select Enroll in PayPlan and follow the instructions.

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