Whether you're purchasing a new home or refinancing your current one, here's exactly how the mortgage process works.

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✔ Step 1 — Pre-Qualification / Pre-Approval

We review your income, credit, assets, and goals to determine what programs fit you best.
This gives you a clear idea of your buying power and helps avoid surprises later.

✔ Step 2 — Find a Home (Purchase Only)

Once pre-approved, you can confidently shop for homes that fit your budget.
Your pre-approval letter strengthens your offer when bidding on a property.

✔ Step 3 — Apply for the Loan

Once you have a signed purchase contract (or decide to refinance), we gather your documents and officially start your loan file.
This includes income docs, bank statements, ID, insurance info, and disclosures.

✔ Step 4 — Loan Processing Begins

Your loan processor reviews your file, verifies documents, checks for missing info, and organizes everything for underwriting.
They may request additional documentation if needed.

✔ Step 5 — Appraisal & Title Work

• Purchase: An appraisal confirms the home’s value.

• Refinance: An appraisal may or may not be required depending on program and equity.
  The title company ensures the property has no liens or ownership issues.

✔ Step 6 — Underwriting Review

An underwriter evaluates your full file to confirm you meet loan program guidelines.
They may issue conditions, which are additional items needed before final approval.

✔ Step 7 — Clear to Close

Once all conditions are satisfied, your loan is officially cleared to close.
Final numbers are prepared, and you schedule your closing date.

✔ Step 8 — Closing & Funding

You sign your closing documents, pay your down payment/closing costs, and the loan funds.

• Purchase: You receive the keys to your new home!

• Refinance: Your old loan is paid off and your new one begins.