From your first conversation to getting the keys, here's exactly what happens at every stage — and what you'll need to do along the way.
Your homeownership goals, income situation, desired price range, and which programs you may qualify for (FHA, VA, conventional, etc.).
A quick 15-20 minute phone call. We'll answer all your questions and lay out a clear plan forward.
Our application works on any device. Save your progress and come back anytime. No credit check required at this stage.
Your current address, employment info, income details, and the property address (if you have one). About 10 minutes total.
Last 2 years of W-2 forms and most recent 30 days of pay stubs to verify your income.
Most recent 2 months showing all pages — we need to verify your assets and down payment funds.
A valid government-issued photo ID (driver's license or passport) for identity verification.
If self-employed, we'll need your last 2 years of personal and/or business tax returns.
Interest rate, monthly payment, estimated closing costs, cash needed to close, and loan features like prepayment penalties (if any).
Nothing to sign — this is for your records. Review it carefully and compare with your original quote. Call us with any questions.
Our team is working hard to get your loan approved. Here's what's happening during this stage:
Underwriter reviews your income, assets, credit, and employment to ensure everything meets guidelines.
An independent appraiser visits the property to determine its fair market value for the lender.
A title company researches the property's ownership history to ensure a clean transfer.
The underwriter may request additional documents or clarifications — called "conditions." We'll guide you through each one.
You must review, acknowledge, and e-sign this disclosure. By law, there's a 3-day waiting period between signing this and your final closing.
Compare it to your original Loan Estimate. Your rate, payment, and most fees should match. We'll walk you through any differences.
A mobile notary comes to your preferred location. You'll sign the final loan documents, deed of trust, and other closing paperwork.
After signing, the lender funds the loan. For purchases, you get your keys. For refinances, your old loan is paid off and the new one begins.
Whether you're buying your first home or refinancing your tenth, we make every step simple and transparent.