Loan Process

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Simple. Transparent. Stress-Free.

Here’s what you can expect every step of the way:

1. Initial Consultation

Let’s talk about your goals.

We start with a quick call or meeting to understand your financial situation, homeownership goals, and answer any questions you have. This is where we help you explore the best loan options for your unique needs.

2. Pre-Approval

Know your budget with confidence!

We’ll review your credit, income, and assets to issue a pre-approval letter. This tells sellers you’re a serious buyer—and shows how much home you can afford.

3. Home Shopping & Offer

Find your dream home.

With your pre-approval in hand, you're ready to house hunt. Once you find the right property, your real estate agent will help you submit an offer.

4. Loan Application

Let’s get the paperwork started.

Once your offer is accepted, we’ll finalize your full mortgage application and lock in your interest rate. Our team will walk you through every form and requirement.

5. Processing & Underwriting

Behind-the-scenes work begins.

We’ll collect documents, order the appraisal, and verify all financial information. Then your file goes to underwriting, where your loan is reviewed for final approval.

6. Conditional Approval

You're almost there.

The underwriter may request additional documents or clarification. Don’t worry—this is a normal step, and we’ll guide you through it quickly.

7. Clear to Close

Final green light!

Once all conditions are met, the lender issues the “clear to close.” We’ll schedule your closing day and review your final loan details together.

8. Closing Day

Time to sign and celebrate!

You’ll sign your final documents, pay down payment and any closing costs, and get the keys to your new home. Congratulations—you’re officially a homeowner!

🏁 From Start to Keys — We're With You All the Way

Whether you're a first-time buyer or a seasoned homeowner, we’re here to support and simplify the entire loan process.

Ready to take the first step?

Start Pre Approval