The Mortgage Process
Conversation
The first step is crucial and sets the stage for your home buying experience. You and your loan officer will discuss your short and long term financial goals so we can customize a loan strategy fit for you and your family.
Application
The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs available.
Pre-qualification
At this stage your loan officer will share how much home you can afford, what your monthly payment will be, and how much money you will need.
Documents
This is where we need your help! By submitting your income and asset documentation upfront allows us to fly through the underwriting process.
Find a Home
Once you find a home and the seller accepts your offer we’ll order an appraisal and begin processing and underwriting your loan.
Final Approval
The underwriter reviews the appraisal, and your income/asset documents to verify you meet all the conditions for final approval.
Closing Day
Our in-house closing department works with the attorney to assemble the final paperwork. Everything we do leading up to this point ensures a smooth and exciting experience. We want you to enjoy this moment as you receive the keys to your new home!
