Start Your Home Ownership Journey!
Initial Consultation
The first step in obtaining a loan is determining how much you can borrow. In other words, it’s important to figure out how much home you can afford before you even start looking.
Getting started is as simple as giving us a call. During your appointment, we'll go over your goals, explain the loan process, and answer all your questions so you feel confident moving forward.
Explore Your Loan Options
You’ll begin by completing a brief application and providing the documentation required for a pre-approval. At this stage, we conduct a thorough review of your income, credit, assets, and liabilities.
Click To Apply For A Loan
Based on this analysis, we’ll determine the loan amount you qualify for and present tailored financing options that best fit your goals.
Receive Pre-Approval
We'll issue a pre-approval letter, so you can shop for a home with confidence and stronger bargaining power when making an offer.
Find Your Dream Home
You can now focus on finding the perfect homes with the support of your real estate agent.
Contract Execution
Once you find the right home and your offer is accepted, you and the seller sign a purchase agreement, also known as the executed contract. This document legally confirms the terms of the sale (such as price, closing date, and contingencies) and allows us to move forward with the full loan process.
Processing & Underwriting
Behind the scenes, our team verifies employment, income, assets, and reviews your credit, appraisal, and property details. If the underwriter needs more info, we'll let you know right away. Once conditions are met, you'll received a conditional loan commitment.
Appraisal & Document Collection
We'll order the appraisal and guide you in submitting any additional documents still pending. You'll receive regular updates so you always know where your file stands.
Final Approval
After all conditions and documents are satisfied, the underwriter issues a clear-to-close. Meaning your loan is fully approved.
Closing & Keys
At closing, your loan is funded and the title transfers to you. Once the paperwork is signed, you get your keys and can move into your new home! 🔑🏡