1. Get Prequalified

Start with a secure application so we can review your credit, income, assets, and loan goals. Once reviewed, we can issue a prequalification letter so you can shop with more confidence.

2. Find a Home & Go Under Contract

As you shop, we can help estimate payments, closing costs, and loan options. When you find the right home, your real estate agent will help you submit an offer. Once accepted, you are officially under contract and the full loan process begins.

3. Processing, Appraisal & Underwriting

After you are under contract, we review the purchase agreement, update your file, and prepare the loan for underwriting. Your file is reviewed for income, assets, credit, title, insurance, and property details. An appraisal may also be ordered to help confirm the property’s value. Once the file is ready, it is submitted to underwriting.

4. Conditional Approval & Final Approval

Many loans are first approved with conditions. This means the underwriter needs additional items before final approval, such as updated documents, explanations, title items, appraisal items, or insurance information. Our team helps you understand what is needed and works to clear conditions as quickly as possible. Once conditions are accepted, the loan can move to final approval and clear to close.

5. Closing Day

After clear to close, closing documents are prepared and you receive your Closing Disclosure with final loan terms and cash needed to close. On closing day, you sign your final loan and title documents, provide any required funds, and complete the purchase. Once the transaction funds and records, you get the keys to your new home!

A prequalification is not a loan approval or commitment to lend. Final loan approval is subject to underwriting review, acceptable property documentation, and satisfaction of all loan program requirements.