mortgage process
Pre-Approval
The beginning of the process will include an understanding of your GOALS, REVIEW of your INCOME and CREDIT, and discussing your options.
Find Your Home
Provide your pre-approval letter to your Real Estate Agent and START LOOKING for homes.
Start Your Mortgage
Once you find your home, we will COMPLETE your LOAN APPLICATION, collect documents for underwriting, and go over FEES and disclosures.
Underwriting
Underwriting ASSESSES the RISK of your loan and will provide CONDITIONS. We will order your appraisal and title work, as you shop for homeowner’s insurance and gather other required documents to clear underwriting’s conditions.
Closing
Once Underwriting provides a CLEAR-TO-CLOSE. We will schedule your closing and finalize your figures with the title companies and lender. Then, CONGRATULATIONS! YOU’RE A NEW HOMEOWNER!