Getting a mortgage doesn't have to be complicated. Here's exactly what to expect from start to close.

How the Loan Process Works

Step 1 — Get Pre-Approved

We review your income, credit, and goals up front so you know your real budget before you start looking — not after you've fallen in love with a house.

Step 2 — Find Your Property (or Bring the One You Have)

Already found a place? We move straight to underwriting. Still looking? Your pre-approval letter gives you and your agent a clear number to shop with.

Step 3 — Submit Your Application & Documents

You'll send over income, asset, and identification documents. We tell you exactly what's needed for your situation — no generic checklists, no guessing.

Step 4 — Processing & Underwriting

Your file goes to underwriting, where your income, credit, and the property are verified against the loan program's guidelines. This is usually the longest step — we keep you updated the whole way.

Step 5 — Appraisal & Conditions

An independent appraiser confirms the home's value, and underwriting may ask for a few final conditions. We handle the back-and-forth so you're not chasing paperwork.

Step 6 — Clear to Close

Once every condition is satisfied, your loan is cleared to close. We lock in your closing date and send your final numbers before you sign anything.

Step 7 — Closing Day

You sign your closing documents, your down payment and closing costs are settled, and the keys are yours. Most closings take under an hour.