Our Mortgage Process
FIRST CALL IN
Conversation is one of the most important steps because it sets the stage for your home buying experience. Together, we will discuss your short and long-term financial goals, so we can customize a loan strategy that fits you and your family.
LOAN APPLICATION
In this stage, we will gather as much information as possible, so we can determine all the available loan programs available for you.
DOCUMENTS
We will for sure need your help during this step! Submitting your income and asset documentation upfront allows us to fly through the underwriting process.
LOAN PRE-APPROVAL
To get preapproved, you will have to answer questions about your income, assets, credit, and the home you want to buy.
After you have been preapproved, we will talk about what homes you can afford, your average monthly payment, and how much money you might need. We will give you a preapproval letter that shows how much you’re approved.
FIND A HOME
Now it's time to hunt for the perfect house within your budget. At this step, we will help you by listing your top home priorities. Remember, finding the perfect home could take some time, so don't get discouraged.
Once we have found your perfect home, it will be time to make an offer. Once the seller has accepted your offer, we’ll order an appraisal and begin processing and underwriting your loan.
FINAL APPROVAL
The underwriter will review your appraisal and your income and asset documents to verify you met all the conditions before final approval.
FINAL WALKTHROUGH
Before we close on your new home, we will do a final walkthrough. If you request repairs, we will make sure that all repairs are completed.
CLOSING DAY
This is a moment of excitement for you and your family. Three days before, we will give a Closing Disclosure that summarizes all of your loan details. Once you’ve evaluated your closing disclosure, it’s time to attend your closing meeting. You will now pay your down payment and closing costs. Finally, you’ll sign your mortgage loan.
You’re officially a homeowner!