Start your Go Direct mortgage loan process today!
GO DIRECT MORTGAGE LOAN PROCESS
Go Direct for a stress-free, personalized mortgage experience.
Our expert team is here to guide you every step of the way—making your home purchase or refinance process as seamless and smooth as possible. When you Go Direct, you’re choosing a partner who puts your needs first.
Step 1: Speak with A Mortgage Loan Officer
You and your mortgage loan officer will have a detailed discussion about your mortgage goals, whether you’re looking to own a home or refinance your current mortgage. Together, you’ll set clear expectations for the process and explore a range of financing solutions tailored to your needs.
Step 2: Start The Mortgage Pre Approval Process
With Go Direct Approval
Go Direct for a quicker, smoother mortgage experience.
Our quick and secure application form gives us the insight we need to offer a personalized mortgage solution. For this, you will need documents like a W2, Pay Stub, Tax Return, and Bank Statements. By gathering information upfront, we can streamline the process and expedite your application, compared to skipping the preapproval and submitting your application at the time of trying to purchase a home. This process helps avoid last-minute stress so you can enjoy a seamless path to homeownership. When you Go Direct, you’re choosing efficiency from the start.
*When compared to turn times for conventional programs. Approval times may vary depending on individual circumstances.
Step 3: Gather Your Documents
We need your help to quickly gather the necessary documents for your mortgage loan application. By teaming up with your loan officer, you’ll collect important items like W2s, pay stubs, bank statements, and employment history.
Step 4: 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 5: Home Appraisal
We utilize an advanced appraisal software system that enables seamless communication among our teams, ensuring efficiency throughout the process. By collaborating with top-tier partners, we maintain a smooth and streamlined appraisal experience.
Step 6: Mortgage Loan Processing
Prior to submitting your mortgage 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 7: Conditional Approval
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. Conditions can differ for each borrower, and not everyone will have the same requirements.
Step 8: Final Mortgage Approval
Our in-house underwriter will conduct a final review of your application to ensure all requirements have been met. Once the underwriter is satisfied, you will receive final loan approval. At this stage, you’ll be one step away from closing.
Step 9: Clear To Close On Your Mortgage Loan
Once your loan has received final approval, the next phase is the “Clear to Close” stage. This is where we review the final details of your mortgage, ensuring everything is double-checked for accuracy and completeness.
Step 10: Closing On Your Mortgage Loan
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.