Buying a home is one of the biggest financial decisions you will make. We have broken the mortgage process into seven clear steps — so you know exactly what to expect, when to expect it, and what you need to do.
STEP BY STEP PROCESS
No guesswork. No hidden phases. Just a clear path from your first conversation to closing day.
We review your income, credit, and assets to determine your buying power. A pre-approval letter shows sellers you are serious and gives you a clear budget before you shop.
With your pre-approval in hand, you shop with confidence. When you find the right home, your agent submits an offer — and your pre-approval gives you a competitive edge.
Once your offer is accepted, we open your formal loan file. We collect your signed disclosures, verify your intent to proceed, and lock your rate if you have not already.
We review your income, credit, and assets to determine your buying power. A pre-approval letter shows sellers you are serious.
An underwriter reviews your entire file against the loan program guidelines. They may request clarification or additional documents — this is normal and we guide you through it.
Once the underwriter signs off, you receive final approval. We prepare your Closing Disclosure, send it for your review, and schedule your closing with the title company.
You sign the final loan documents, wire your down payment and closing costs, and receive the keys. The title records the deed, and your homeownership officially begins.
