Understanding each step of the mortgage process helps you prepare and move through your home purchase with confidence. Here's what to expect from start to finish.
Provide basic financial information to receive a preliminary loan estimate. This soft credit check won't affect your credit score.
Submit detailed financial documentation for a thorough review. Receive a pre-approval letter to strengthen your offers.
Work with your real estate agent to find homes within your budget. Your pre-approval letter shows sellers you're a serious buyer.
Submit an offer on your chosen home. Once accepted, you'll have a signed purchase agreement with contingencies for financing and inspection.
Submit your complete loan application with all required documentation. Your loan processor will review everything for accuracy.
Our underwriters thoroughly review your application, order an appraisal, and verify all information before making a final decision.
Review and sign all closing documents, transfer funds, and receive the keys to your new home. Congratulations, you're a homeowner!
Keep all documents organized and respond quickly to requests for additional information.
The process takes time, but each step ensures you get the best loan terms possible.
Stay in touch with your loan officer and ask questions whenever you need clarification.
Get pre-qualified today and take the first step toward homeownership.