YOUR GUIDE TO THE MORTGAGE PROCESS

The mortgage process can seem overwhelming, especially if you are a first time home buyer. We've put together steps outlined below to help you better understand the process. Our team of Mortgage Consultant's are here to make the process as smooth as possible so you can start moving toward your dream home. 

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YOUR GUIDE TO THE MORTGAGE PROCESS

The mortgage process can seem overwhelming, especially if you are a first time home buyer. We've put together steps outlined below to help you better understand the process. Our team of Mortgage Consultant's are here to make the process as smooth as possible so you can start moving toward your dream home. 

Apply Now
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Step 1: Application & Decisions

Our innovative application process sets the tone for your home buying journey. Connect with your bank’s website and import information into our application, allowing for easy document retrieval.

  • Submit key documents
  • Credit pulled & documents verified
  • Get prequalified
  • Compare loan options, set price range, and receive a loan estimate

Step 2: Property Assessment

With our team of professionals, the property you choose will be evaluated, and a title search on the home will be completed.

  • Property appraisal
  • Property inspection
  • Title search
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Step 3: Processing & Underwriting

After reviewing the loan and all associated documents, our team will work through any outstanding questions you may have and make a final decision. To keep track of your loan’s progress, you will receive in-process milestone updates, as well as direct communication with your Mortgage Consultant at any time. 

  • Approval of loan
  • Lock rate
  • Title insurance
  • Closing scheduled

Step 4: Closing

Most of your closing documents can be reviewed and signed digitally, making it easier for you to prepare for closing day. Your trusted Mortgage Consultant will prepare you for any closing costs that you might be responsible for and confirm all parts of the contract have been completed.

  • Final walkthrough within 24 hours prior to closing
  • Receive & review closing disclosure
  • Closing costs & cash to close (if needed)
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Step 5: Funding & Celebrations

Everything is in order. You have signed your paperwork with your team of mortgage, Realtor & title professionals – now it is time to celebrate! Get your keys, snap some pics, and start the next chapter in your new home.

Start your application today!

Our best-in-class online borrowing experience makes it easy to apply for your next home in just a few simple steps.

Apply Now

Not ready to fill out an application or have questions? Give us a call today.

(800) 687-2265