OR

ACHIEVE YOUR DREAM OF HOMEOWNERSHIP

Come home to a place you can call your own.

SAVE MONEY AND REACH A BETTER FINANCIAL PLACE

Improve your loan to better meet your needs.

1

Pre-Approval

What can you afford?

To pre-approve you for a loan, we’ll check your credit and review your financial and employment history. It’s our goal to estimate what you might be able to afford and the loan amount you could realistically pay back.

2

Find The Right Home

The real search begins.

Now that you know how much home you can afford, it’s time to begin your home search. Compile a list of wants and needs to map out your goals and manage your expectations. Communicate this list to your LO and real estate agent. If you need help finding a real estate agent, we have connections!

3

Gather Info for Application

All the paperwork will all be worth it.

You’ll need to provide several different forms of documentation so we can get started on your loan paperwork. Most of this process will be digital! If you are employed (not self-employed) you’ll need to provide U.S. Individual Income Tax Returns (IRS Form 1040), pay stubs, and a Wage and Tax Statement (IRS Form W-2). For a complete list of documentation, click here.

4

Secure Your Rate & Lock Your Loan

Let’s find your best lock period.

Once you’ve found your home, we’ll set a lock period to secure your rate and schedule your home appraisal and/or inspection. At this point, your loan will be assigned to a Processor who will get your loan to the finish line. Keep in mind the mortgage dos and don’ts!

5

Processing

One step closer to final approval.

Your Processor will submit your loan to Underwriting and issue your Conditional Approval Letter. Once your loan is final approved, you’ll schedule a closing appointment to sign the final documents.

6

The Closing Table

Sign on the dotted line.

Just show up and be ready to sign! Your closing package will be waiting for you to review with an attorney and/or notary. Bring your ID and the necessary funding to complete the transaction.

7

Welcome Home

Congratulations!

Move into your new home! We love to join our new homeowners in the excitement of moving in. Send us a photo of your #moveinmoment on social media for a chance to be featured on any one of our channels!

ACHIEVE YOUR DREAM OF HOMEOWNERSHIP

Come home to a place you can call your own.

SAVE MONEY AND REACH A BETTER FINANCIAL PLACE

Improve your loan to better meet your needs.

1

Begin Your Application

Let’s get this process started.

To begin, we’ll review your financial and employment history and check your credit. It’s our goal to understand what you can afford and the loan amount you’ll be able to pay back.

2

Gather Info for Application

All the paperwork will all be worth it.

You’ll need to provide a few forms of documentation so we can get started on your loan paperwork. Most of this process will be digital! If you are a W-2 wage earner (not self-employed) you’ll need to provide U.S. Individual Income Tax Returns (IRS Form 1040), pay stubs, and your Wage and Tax Statement (IRS Form W-2). See our complete list of required mortgage documents.

3

Secure Your Rate & Lock Your Loan

Get the shortest lock period.

Now, we’ll secure your rate and find you the shortest lock period possible. We’ll also work with you to schedule your home appraisal. At this point, your loan will be assigned to a Processor who will get your loan to the finish line. Don’t forget the mortgage dos and don'ts!

4

Processing

One step closer to final approval.

Your Processor will submit your loan to Underwriting and issue your Conditional Approval Letter. Once your loan is final approved, you’ll schedule a closing appointment to sign the final documents.

5

Closing

Sign on the dotted line.

Your closing package will be sent to you electronically for you to review three days before your closing appointment.

6

You're All Set

Congratulations!



*This is a simplified version of our process and is for illustrative purposes only. Not all loans follow the exact same steps and some steps are not shown here. For a more complete list of steps, read more here.