We provide a stress-free and personalized home buying experience. Our knowledgeable team will work with you every step of the way to ensure your home purchase is a smooth one.
Step 1: Conversation and Application
You and your loan officer will discuss your homeownership goals, establish expectations, and discuss available financing solutions. Next, fill out the quick and secure application. Documents required include W2s, Pay Stubs, Tax Returns, and Bank Statements.
Step 2: Under Contract
Once you’ve found your dream home, our loan coordinator will work with you to keep the ball rolling through inspections and the appraisal process.
Step 3: Processing
Prior to submitting your loan request to underwriting, our processor will make sure your file is buttoned up. It’s at this stage we may need something clarified or further documentation.
Step 4: Approved with Conditions
Congrats! At this point in the process, your loan is approved with conditions. There are a few items to address before finalizing your loan commitment. You’ll work with your loan officer and processor to update the underwriter’s requests.
Step 5: Clear To Close
Our in-house underwriters will review your final loan file for accuracy and completeness. This is the final stage of the loan process.
Step 6: Closing
Prior to reaching the closing table, our team works to confirm the total funds needed to close. We want to ensure that your closing experience is smooth and exciting. You have made it to homeownership!
Note: This is a simplified version of our process and is for illustrative purposes only. Not all loans follow the same format and some steps are not shown here.