Every file is different, but the path generally looks like this. We'll walk you through each step so nothing feels like a surprise.
We talk through your goals and budget, review income, credit, and assets, and get you a pre-approval letter so you can shop with confidence.
Once you're in contract, we formally submit your loan application and start collecting the documentation your file needs.
Our team verifies income, assets, and employment, and orders the appraisal on the property.
An underwriter reviews the complete file against loan program guidelines and issues any remaining conditions.
We help you clear any outstanding conditions quickly — updated pay stubs, letters of explanation, or additional documentation.
Final approval is issued. We review your Closing Disclosure together at least three business days before your closing date.
You sign your final loan documents, the loan funds, and you get the keys to your home.
It takes about 7–10 minutes — no obligation, no pressure.
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