How it works
From prequal to keys in hand.
Six steps, clearly explained. We'll walk you through each one and keep you posted at every milestone.
Step 1 — Prequalification
A quick conversation about your goals, income, and credit. Takes about 15 minutes. You'll leave knowing what you can afford and which programs fit.
Step 2 — Application and documents
We collect your documents — tax returns, pay stubs, bank statements, ID — and complete the application together. Within three business days you receive a Loan Estimate that lays out the terms and costs.
Step 3 — Processing
Our team reviews the file, orders the appraisal and title work, and submits your application to the lender whose program fits your situation. We keep you posted at every milestone.
Step 4 — Underwriting
The lender's underwriter verifies income, assets, credit and the property. Expect a few follow-up questions or document requests — that's normal, and answering quickly keeps the timeline tight.
Step 5 — Clear to close
Conditions are satisfied and the lender issues the final approval. You receive the Closing Disclosure at least three business days before closing so there are no surprises at the table.
Step 6 — Closing and keys
You sign at the title company, the loan funds, and the home is yours. We coordinate with the title company and your agent so closing day is smooth — and we're still here for questions long after.