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DownpaYment / Closing Cost Loan Process Flow Chart <br /> Applicant must contact a lbank for pre - qualification <br /> Applicant must attend a Homebuyer ' s Educational Workshop <br /> 1 <br /> Applicant submits a completed application to the County <br /> The County verifies all income and asset information <br /> The County will send an eligibility letter to the applicant <br /> 1 <br /> The applicant will take the eligibility letter to the bank <br /> l <br /> Bank will provide the commitment letter <br /> Bank or applicant submits thecommitmentletter to the County <br /> The applicant submits two bids from licensed contractors for needed <br /> rehabilitation work <br /> The County ' s LRC lyapproves the loan <br /> Loan Closing <br /> 14 <br />