The Steps of the Loan Process

Decide on Your Maximum Loan Amount & What You Can Afford

Based on your income and credit history, we'll help you determine the maximum loan amount you can borrow and how much of a monthly payment fits your budget. Use our free online calculators to get a head start, and we'll walk you through different scenarios with a few simple questions. We'll be honest with you every step of the way.

Click Here for Our Online Mortgage Calculators

Complete a Loan Application & Get Pre-Qualified

The easiest way to apply is through our secure online loan application portal. You can start and return at any time, and it includes a secure document upload feature. We can also take your application over the phone, in person, or via a secure fillable form — whatever works best for you.

The application covers your residency history, employment and income, assets, and credit history. Once you give us permission, we'll pull your credit report and provide you with a pre-qualification letter — giving you a major advantage when making an offer on a home.

Click Here to Apply Now   |   Loan Application Document Checklist

Find a Home & Get Your Offer Accepted

Once your offer is accepted, you'll sign a Sales Contract or Purchase Agreement. This will include the closing date and the title/escrow company handling the closing. We'll coordinate with all parties to ensure we meet the set closing date while you focus on the logistics of your move.

If you are refinancing, skip ahead to Step 4.

Underwriting

We search our network of wholesale lenders to find the best loan program and interest rate for you. Once we have your executed sales contract and all required documentation, we register your file with the chosen lender and send you the initial loan disclosures to eSign.

An underwriter then reviews everything and issues a "Conditional Underwriting Approval." Conditions typically include an appraisal report, clear title report, and homeowner's insurance. We'll work to clear these conditions with minimal disruption to you so you can stay focused on your move.

Closing & Funding

Once all underwriting conditions are cleared, the lender issues the "Clear to Close." We then coordinate with all parties to get everything ready for closing day — well ahead of schedule. We'll send you the final cash-to-close amount with plenty of time to arrange your wire transfer.

The title company will schedule your signing appointment. After you sign all closing documents, you'll be handed the keys to your new home!