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HOME BUYING PROCESS

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
Step_1_Get Started

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
Step 2 Under Contract

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
Step 3 Processing

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
Step 4 Approved with Cond

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
Step 5 Clear to close

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
Step 6 Settlement

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.

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15+ Years in Business

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Funded 15,000+ Loans

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$4 Billion in Volume

Experience for yourself why Direct Mortgage Loans has won dozens of top-industry awards

Experience for yourself why Direct Mortgage Loans has won dozens of top-industry awards

DML Awards

WHAT SOME OF OUR HAPPY CLIENTS HAVE TO SAY

Simplify the loan process and get expert advice

Timothy WilliamsTimothy Williams
03:33 08 Mar 24
Direct Mortgage Loans has provided me with an extraordinary experience. The trio of Ami, Amanda, and Ash truly embodies excellence in the mortgage industry. Ami's insightful guidance, Amanda's meticulous approach, and Ash's unwavering commitment have simplified the intricate world of mortgages. Opting for Direct Mortgage Loans was unequivocally the wisest choice for my home loan requirements. The personalized attention and combined knowledge of this exceptional trio ensured a smooth, stress-free journey from start to finish. If you seek unmatched service and expertise for your home loan, Direct Mortgage Loans with Ami, Amanda, and Ash is unequivocally the optimal selection.
Leyna FlannLeyna Flann
20:10 06 Feb 24
I worked with Donny McCord this year when buying a home and his efficiency and service was unmatched! He answered all questions knowledgeably and worked hard to help me buy sooner than I thought I’d be able to! Highly recommend working with Direct Mortgage Loans
Abigail AdamsAbigail Adams
15:44 18 Dec 23
Amazing service. Always available and ready to answer any questions you may have.
Brittany AdamsonBrittany Adamson
04:05 03 Dec 23
Caleb & his team's communication is top notch! Always willing to give an update or talk through a scenario. Their local condo knowledge and experience is invaluable. Highly recommend!
Dr. BruceDr. Bruce
13:52 11 Oct 23
I had the pleasure of spending a full day with my friends at Direct Mortgage Loans during their annual DML Fest. You can feel the company culture immediately. Their energy is contagious and everything they do is centered around both their customers and putting their LO's in positions to succeed.
gwendolyn smithgwendolyn smith
13:10 24 Sep 23
Hillary CochinHillary Cochin
22:52 20 Sep 23
Great service, quick closes, and great mortgage products!
Joseph LJoseph L
16:19 17 Sep 23
Helpful and communicative.
Chris MaiChris Mai
13:15 17 Sep 23
Matt Mieras and his team handled things absolutely flawlessly. We had some challenges in the past that made our prior mortgage difficult, but it was no problem for Matt and his team. We are in our new home and absolutely thrilled! We will definitely use them again and send our friends to them without hesitation.
alex rodriguezalex rodriguez
18:25 04 Sep 23
Oliver and his team are very dedicated and helping you. They will not stop,until everything is done.
Shambrelle TaylorShambrelle Taylor
03:07 31 Aug 23
Quinn was amazing to work with exceptional customer service, communication was always on point including the entire team GREAT job. I would recommend DML to anyone whom looking to be a homeowner or refinancing.
DMG2023 MGDMG2023 MG
14:43 17 Aug 23
I just want to thank the Whole team at Direct Mortgage Loans for helping me in getting my first home...It could have been a lot worse if I did not have the guidance and support of this Team...Special Thanks to Paul Gordon! even in his vacation time he went the extra mile to help me by answering my calls and text. Thank you all.
Kaylin PennewillKaylin Pennewill
10:44 14 Aug 23
dev lindev lin
20:53 28 Jul 23
Amy and her team were amazing! She was extremely creative and helping my wife and I to find the best solution and mortgage product available for our situation. She stuck with us through the changes they came along and made sure that she saw us across the finish line.
nichole venzaranichole venzara
00:21 11 Jul 23
Anna TommaselloAnna Tommasello
14:41 05 Jul 23
My husband and I refinanced with the Dobz Group a few years ago. The service was great! They were attentive to our needs, creative with their solutions, and responsive. I would 100% recommend their services!
Dan JohnsonDan Johnson
17:03 30 Jun 23
I had a wonderful experience with Direct Mortgage Loans. The team was incredibly attentive and friendly throughout the entire process. They made sure to address all my questions and concerns, making me feel valued as a customer. I highly recommend their services to anyone in need of a mortgage. Thank you, Direct Mortgage Loans, for your exceptional service!
Tammy RileyTammy Riley
23:30 25 Jun 23
Bo and Lindsey are the easiest people to work with. They will talk you through everything step by step. Taking away all nerves you may. I was so scared at first until I started the process. No matter what hr Bo gets back with you. Definitely 💯 worth it to got to Bo and Lindsey
Lydia FunkLydia Funk
14:02 06 Apr 23
DML was so great to work with in buying our first home! Kevin was our loan officer and was so readily available to answer all of our questions, and put things in more “simple” terms for us since we had no experience ever taking out a loan on anything. He never made us feel rushed or stressed because of how much we didn’t know - he always was happy to answer our questions and address our concerns. So happy with the service from DML!
Kyle YinglingKyle Yingling
23:54 11 Mar 23
The Amy Wolf team made the whole home buying process so easy and stress free. Dale, Roni and Rachel are great at what they do. As a first time homebuyer I’m so glad I had them to help me along the way. Can’t recommend them enough!!!
Jennifer NanceJennifer Nance
12:56 01 Mar 23
We started our journey with Direct Mortgage Loans not knowing if we'd be able to accomplish a dream we had. We are a large family on a single income that isn't grand by any means. We needed a bigger home with a bigger yard so that we could live comfortably. The house we wanted seemed out of reach and unattainable bcus we had to sell a home in order to purchase the dream home. Our credit scores weren't great either so there were many obstacles! Kolleen Organek with Direct Mortgage Loans reviewed our information and went into immediate action. Not only did she find a way to up our credit score and get us pre-approved but she also walked us through every single step very carefully, got us a conventional loan which we thought was impossible and got us a low interest rate and we are now the owners of our dream home! This team is compassionate, understanding and extremely willing to go the extra 100 miles to get things done right! If you have the opportunity to work with a lender don't pass up Direct Mortgage Loans! Kolleen Organek is a powerhouse! We couldn't be happier!
Nicole DavidsonNicole Davidson
03:22 07 Jan 23
Direct mortgage lending company is a comprehensive wraparound service that provided us with support from beginning to end in the procedures of pursuing our new home. I would recommend them to anyone, especially if the person is a first time home buyer. The processes are user-friendly, and questions are encouraged while answers are provided in a timely fashion. Kolleen was a true support every step of the way!! What an amazing team!! Thank you to Caleb, Kyle, Veronica, Jennifer, and Jen, and all the members of the team who helped make my dreams. Come, true! And even though I know that my realtor is not a part of this team, it was because of her that this team came into my life. Enough cannot be sad for such a comprehensive network of people working in the real estate business. The housing market is better for individuals like this that have this level of dedication.
Sydney OakesSydney Oakes
19:46 05 Dec 22
Meagan Gray is amazing at what she does. Very knowledgeable, helpful, and quick at helping you through the stressful process of home buying. She made it a breeze for my boyfriend and I, who had never bought a house before.
Nea DeniseNea Denise
20:15 15 Nov 22
Andy Cynthia &Rachel are a mega team! They did everything they said they’d do to make sure we closed! We appreciate them so much for making homeownership a reality for us. We highly recommend their services!
jasminejasmine
20:01 02 Nov 22
A personal thank you to Corey Glowacki, you are awesome!! thank you to the whole team for all that you do!!! you all were wonderful!! you have made this such a positive experience for me! you guys are true professionals!!!
Angela MoralesAngela Morales
13:35 28 Oct 22
The team at Amy Wolff of Direct Mortgage loans was amazing to work with. The app for your phone makes everything so easy! They keep the lines of communication open and check in often. They got the loan closed on time and with not stress. Call them, you will be glad you did.
Meaghan LoyMeaghan Loy
22:39 19 Jul 22
11/10 for the group at DML. Savannah and Cynthia were my team and they made the entire process as painless as possible. They texted me helpful reminders and emailed me everything I needed to help me keep track. This was literally the least stressful part of buying a home which is kind of wild! I'm a single mom so the home shopping and buying process was overwhelming but I had these two amazing women cheering me on in the background and I wish they could help me with everything!
ny williamsny williams
01:20 23 Jun 22
Wanna talk about fast,detailed,and efficient?!You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.
Larry LawsonLarry Lawson
18:01 08 Jun 22
The is a very professional company. The beginning with Monica was so smooth and she is a super person to work with throughout the whole process. Misty was fantastic and kept us informed the entire time. They always return your calls and constantly reassure you at all times. Janeth was great to work with at the end. Overall highly recommend this company to anyone who wants a honest and stress free loan.
laura snyderlaura snyder
22:28 28 Dec 23
Corey has helped numerous clients of mine and done an excellent job - she communicates, educates and is very attentive to their needs. Highly recommend!
Brendan ButlerBrendan Butler
17:18 20 Dec 23
Corey and her team at DML are awesome!! Communication couldn't be better and they are always on top of things. Highly recommend to anyone looking to purchase or refinance. They will get it done!
Karriem HopwoodKarriem Hopwood
15:08 20 Dec 23
Corey was amazing to work with. Very communicative and got everyone to the finish line without a single hiccup. Highly recommend
Alex SAlex S
02:58 13 Dec 23
Corey was amazing to work with. As a first time home buyer- she worked tirelessly on my behalf, and would drop everything in to work numbers for me to put offers in whenever I needed it (which was often). She was professional, kind, and always answered all of my questions along the process. She was very responsive to my texts and calls at all times, and she made my home buying experience everything I had dreamed of. Could not recommend her more. An amazing experience!!
Jessica DePowersJessica DePowers
14:03 22 Nov 23
Corey was great to work with! I called her on a Sunday morning needing a pre-approval immediately and she had it to my realtor within the hour. I highly recommend her!
liettel manliettel man
23:46 21 Nov 23
Cory glowacki at dricect mortgageWas awesome. I have been trying to buy a house for ever she really took charge and got everything done for me it was an amazing experience.
Vanessa WardVanessa Ward
18:24 03 Nov 23
We have had a great experience with Direct Mortgage! Corey and her team were very patient and helpful from the beginning. We would definitely recommend them!
Tiffany LangTiffany Lang
16:45 02 Oct 23
Corey was fabulous to work with! Her communication is top tier. She made things so quick and easy for everyone involved!
lynnea Williamslynnea Williams
16:43 01 Sep 23
Sarah WardSarah Ward
19:57 25 Aug 23
If you're in need of a lender, you couldn't do any better than Corey and the team at DML! I started working with Corey when I began searching for my first home. I knew very little about the process and was full of questions. Corey never made me feel like I was a bother. She was always available to answer any questions I had. She never hesitated to run numbers for me, to answer my texts or calls, or to explain a part of the process I was unfamiliar with. She's incredibly knowledgeable and very adept at navigating you through the entire process.But even more important is her genuinely upbeat, excited, and enthusiastic personality. Having such a kind and confident person lead me through the lending process really helped me keep a level head and be excited about purchasing my first home. Working with Corey felt like I was working with a close friend. I will definitely work with her again!
Brie BurkeBrie Burke
15:53 23 Aug 23
Corey was absolutely fantastic! She was such a help every step of the way and made us feel so comfortable and at ease the whole time. She was a pleasure to work with and we would recommend her and her expertise to anyone! Her and her whole DML team are true professionals!
Jenifer HenryJenifer Henry
23:14 01 Aug 23
Extremely helpful!! Great personality!!!
Katie BrewerKatie Brewer
23:13 01 Aug 23
I can’t recommend Corey and her team enough when searching for your perfect lender! Corey is always there to answer any questions you may have along the way, and eager to help see what programs best suit you. Highly recommend!
April BanksApril Banks
13:48 01 Aug 23
Corey and her team are outstanding! As a first time homebuyer, I was very nervous about the entire process and had a ton of questions; Corey and her team walked me through every single step and answered any question I had. They were so friendly, helpful, and thorough! They provide consistent updates throughout the process and respond to emails/calls so quickly. I truly enjoyed working with them. I highly recommend them to anyone, and especially to first time homebuyers!
John GallierJohn Gallier
02:21 21 Jun 23
Corey was super informative and helpful from the beginning. She worked late nights & weekends to help us get an offer accepted. Corey, Caryn and the rest of her team made the entire process seamless and smooth. Any conditions that underwriting came up with, they were there to help quickly and easily fulfill them. Corey even attended our closing to make sure that everything went smooth. She’s a first-time homebuyers dream! You won’t regret using her as your lender!
Danielle NoeDanielle Noe
14:16 10 May 23
Corey's team was amazing. They closed my loan in a very short turnaround, were incredibly communicative and organized, and helped me all along the way. I would not change a thing about it - perfection in customer service from start to finish.
Garrett LutzGarrett Lutz
15:39 07 Apr 23
I had the pleasure of working with Corey Glowacki to secure a loan for my first home, and I can't recommend her enough. Not only is she professional and knowledgeable, but she's also incredibly friendly and funny, which made the process so much more enjoyable.From the very beginning, Corey took the time to get to know me and understand my needs, which made me feel at ease right away. She has a way of explaining complex concepts in a way that's easy to understand, and she was always available to answer any questions I had, no matter how small.But what really stood out to me about Corey was her sense of humor and positive attitude. She made the process feel like a partnership rather than a transaction, and I always felt like she had my best interests at heart.Thanks to Corey, I was able to secure a fantastic interest rate and loan terms that were tailored to my specific needs. I couldn't be happier with the outcome!Overall, if you're looking for a loan officer who is not only professional and knowledgeable but also a genuine, kind, and honest person, look no further than Corey Glowacki. I rated her 5 stars without hesitation and I look forward to working with her again when it’s time to refinance!
Taylor Hegeman KnightTaylor Hegeman Knight
14:06 06 Apr 23
Corey was FANTASTIC as our lender! As first time homebuyers, she ensured we were comfortable with every step of the homebuying process and always explained everything to us in easy-to-understand terms. Any time we had questions, we could text or email her and she responded within an hour. When we first met with her, she took our budget and ran multiple options for us based on different down payments and different house prices, so we could see what our monthly payment would look like. This allowed us to see what we could actually afford and helped us shop for houses within our budget. She even went so far as to lock in our rate when she saw the markets trending upwards, to ensure we had the best rate possible for the time. Hands down recommend Corey for any homebuyer! She's the best!!
Joe McKenzieJoe McKenzie
02:53 05 Nov 22
Corey was extremely helpful and knowledgeable about the entire mortgage process. She helped me to secure a lower rate than I expected and was very friendly throughout everything. I have already referred several friends to her and will continue to do so in the future. Choosing anyone else for your mortgage needs would be a major mistake and will cost you a lot of money in the long run. I trust her and will continue to do business with her ANY time I need a mortgage in the future.
Megan McGrawMegan McGraw
17:20 21 Oct 22
I can’t say enough good things about Corey and the DML team. We inquired about refinancing on a whim and Corey and her team did not disappoint! They communicated consistently and answered all my questions quickly. Very smooth transaction and overall an excellent experience. I have recommended Corey to several people and will continue to do so!
Melissa LarkinsMelissa Larkins
20:27 20 Oct 22
Corey and her team were with us every step up of the way. They worked diligently to make sure that we were able to have a quick closing (less than a month) and patiently guided us through the process of applying and securing necessary documents. Corey and her team responded promptly to our questions and ensured that we understood the process. During our interactions, they demonstrated professionalism but also were personable and seemed to be as excited as we were to buy our house. I highly recommend contacting Corey to assist you with your mortgage needs.
Crystal WittCrystal Witt
01:52 20 Oct 22
Corey was amazing...our Journey began 2 years ago. My credit score was poor and needed work. Corey kept in contact throughout, letting me know what was hurting my score and helped my husband and I get to where we needed to be to obtain a mortgage. I was a first home buyer and unfamiliar with the steps and process. Corey was amazing,patient and very informative answering all my questions. Today,after our 2 year journey, my husband and I closed on our first home!!!! Thank you so much to Corey and her team!! They are amazing, I would highly recommend her wether it be first home,or refinancing!! It has been a pleasure working with her!!(closing was pushed back some,but no fault to Corey and her team) Together with Corey and her team WE DID IT!!!
Devon PottsDevon Potts
21:59 19 Oct 22
It was a pleasure working with Corey. She was so wonderful and gracious to me throughout the entire process. Corey was friendly, knowledgeable, and accessible. She kept me in the loop and was readily available when I reached out to her. Corey definitely helped to make my family and I home buying experience go smoothly. If you're looking for a great home buying experience I highly recommend her services to you.
Nikki KarraschNikki Karrasch
14:39 12 Jan 22
Corey is great! She helped us with our mortgage for the purchase of our home. We could not have asked for a more responsive team! Every step of the way we received updates and always knew where our loan was in the process. We closed on time and without any issues. I definitely recommend Corey if you are looking for a mortgage professional!
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