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The mortgage process, step by step
What happens from application to closing, and what we need from you at each stage.
Pre-approval
Apply online and authorize a credit check. We review income, assets, and credit, then issue a pre-approval letter you can send with offers.
Shop and make an offer
Your agent writes the offer. We can update your pre-approval letter to match each offer amount.
Loan Estimate
Within three business days of a complete application on a specific property, you receive a Loan Estimate showing your rate, payment, and costs.
Processing
We order the appraisal and title, verify documents, and clear the items on your needs list. You upload everything securely from your phone.
Underwriting
The lender's underwriter reviews the full file and issues conditions. We work through them with you until the loan is clear to close.
Closing Disclosure
At least three business days before closing, you receive the Closing Disclosure with final numbers to compare against your Loan Estimate.
Closing
Sign the final documents, fund the loan, and get the keys.
Start step one today
Apply online in about 15 minutes, or call to talk it through first.