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Our Mortgage Process

Experience our streamlined mortgage process designed to make your home buying journey smooth and efficient

Typical Timeline

Pre-Approval

1-3 Days

Get pre-approved and know your budget

Home Search

2-8 Weeks

Find your perfect home

Application

1-2 Days

Submit your loan application

Closing

30-45 Days

From application to closing

1

Initial Consultation

Start with a free consultation to discuss your goals and financial situation.

  • Review your financial profile
  • Discuss loan options
  • Explain the process
  • Answer your questions
2

Pre-Approval

Get pre-approved to understand your buying power and show sellers you're serious.

  • Credit check and analysis
  • Income verification
  • Asset documentation
  • Pre-approval letter
3

Home Search & Offer

Find your dream home and make a competitive offer with confidence.

  • Work with real estate agent
  • Property evaluation
  • Offer preparation
  • Negotiation support
4

Loan Application

Submit your formal loan application with all required documentation.

  • Complete application form
  • Gather required documents
  • Submit to underwriting
  • Initial review process
5

Processing & Underwriting

Our team processes your application and underwriters review your loan.

  • Document verification
  • Property appraisal
  • Underwriting review
  • Conditional approval
6

Clear to Close

Final approval and preparation for closing day.

  • Final underwriting approval
  • Closing disclosure
  • Final walkthrough
  • Closing preparation
7

Closing Day

Sign your loan documents and officially become a homeowner.

  • Sign closing documents
  • Pay closing costs
  • Receive keys
  • Welcome to homeownership!

Tools to Help You Through the Process

Mortgage Calculators

Calculate payments, affordability, and compare loan options.

Try Our Calculators

Document Checklist

Get organized with our comprehensive document checklist.

Download Checklist

FAQ Center

Find answers to common questions about the mortgage process.

Browse FAQs

Find a Loan Officer

Connect with an experienced loan officer in your area.

Find an Officer