Our process

You’re ready to purchase a home – now what? Our knowledgeable team will work with you to ensure that your home purchase is a smooth one!

Take a look at our roadmap for a better understanding of the homeownership journey:

Step 1

Step 1: Conversation

Before we discuss loan options, our loan officers will take the time to get to know you. You and your loan officer will discuss your homeownership goals (timeline, comfortable monthly payment, credit history, etc.), establish expectations, and discuss available financing solutions.

Step 2

Step 2: Application

Our quick and secure application seeks to gather as much information as needed to asses lending credibility.

Documents: During the application process, you will be asked to upload: W2s, Pay Stubs, Tax Returns, and Bank Statements. The quicker these are uploaded, the quicker we can process your application and issue a pre-approval.

Step 3

Step 3: Under Contract

Once you’ve found your dream home, our loan coordinator will work with you to keep the ball rolling through inspections and the appraisal process.

Step 4

Step 4: Processing

Prior to submitting your loan request to underwriting, our processor will make sure your file is buttoned up. It’s at this stage that we may need something clarified or documented further.

Step 5

Step 5: Approved with Conditions

Congrats! At this point in the process, your loan is approved with conditions. At this stage, there are a few items to address before finalizing your loan commitment. You’ll work with your loan officer and processor to update all of the underwriter’s requests.

Step 6

Step 6: Clear to Close

Our in-house underwriters will review your final loan file for accuracy and completeness. This is the final stage of the loan process.

Step 7

Step 7: Closing

Prior to reaching the closing table, our team works to confirm the total funds needed to close. We want to ensure that your closing experience is smooth and exciting. You’ve made it to homeownership!