The ProcessFrom first call
It starts with a conversation. We'll discuss your goals, timeline, income and credit profile to understand exactly where you stand and map out the best path forward.
Collect your pay stubs, W-2s, bank statements and tax returns. We'll provide a clear checklist so nothing gets missed.
We'll review your financials, go over all fees upfront and match you with the loan program that fits your situation best so you know exactly what you qualify for.
Connect with your trusted realtor, start shopping with confidence and make a competitive offer backed by a strong pre-approval letter.
Congratulations. Your offer has been accepted. Escrow is officially opened and the loan process begins. We'll coordinate timelines and keep you informed every step of the way.
Your file is submitted to the underwriter for review. If any additional documents are requested by the bank, we'll let you know exactly what's needed, no surprises.
A licensed appraiser is sent to evaluate the property and confirm its market value. We monitor the process and review the report as soon as it's delivered.
All conditions are satisfied, final bank disclosures are signed and your loan receives the clear to close. The finish line is in sight.
We schedule your closing appointment where you'll sign the final loan documents.
The bank funds your loan and the title company records your title with the county. Once recorded, the property is officially in your name.
Set up utilities and change your address with USPS, banks and employers.
Welcome home. We're always here for refinancing, investment properties, or referrals.