1 Pre-Qualification

Get an early picture of what fits your budget. We’ll review basic financial information you provide—such as income, assets, and debts—to give you an estimated price range and loan options. This is a helpful first step as you begin your home search and plan with confidence.

2 Home Shopping

Find the right home with clarity. With your estimated budget in mind, you can confidently search for a home that fits your needs. Your loan officer is available to answer questions as offers are written and terms are considered.

3 Loan Application

Turn your plan into an application. Once you’re under contract, you’ll complete a full loan application and provide supporting documentation. This allows us to move from estimates to a detailed review of your loan request.

4 Processing

We prepare your loan file for review. Our processing team gathers and verifies required documentation, orders third party items such as the appraisal and title work, and ensures your file is complete for underwriting.

5 Underwriting

Your loan is carefully reviewed. An underwriter reviews your file to confirm it meets loan program guidelines. If additional information is needed, your loan officer or processor will guide you through the next steps.

6 Conditional Approval

Final details are completed. Once underwriting conditions are satisfied, your loan moves toward final approval. This step ensures everything is in place for a smooth closing.

7 Closing

Sign and get the keys. You’ll review and sign your final loan documents with the title company. After closing is completed and the transaction funds, you receive the keys to your new home.

8 Welcome Home

Your loan begins. After closing, your first mortgage payment timeline will be outlined, and we remain available for any questions that come up as you settle into your home.