Loan Process & Checklist
We’ve simplified the mortgage journey. Learn exactly what to expect and what documents you need to gather to get your home closed fast.
The 6-Step Mortgage Process
From application to keys in hand, here is how we get you to the finish line.
1. Pre-Approval
We review your income, assets, and credit with no hard credit pull to determine exactly how much house you can afford. You receive a letter to show sellers you are serious.
2. We Will Recommend A Realtor To Help You Find Your Dream Home
Work with one of the best realtors to find the perfect home.
3. Secure The Rate and Sign Disclosures
We lock in your rate and send you initial loan disclosures to sign electronically. The official process begins.
4. Processing & Appraisal
Our team verifies all your documents using AI advanced systems. An independent appraiser visits the home to confirm it’s value.
5. Underwriting Approval
The underwriter gives the final review. Once everything checks out, we issue a “Clear to Close” status!
6. Closing Day
You sign the final paperwork at the title company, pay your down payment and closing costs, and get your keys!
The Ultimate Mortgage Checklist
Gather these documents to get your pre-approval done in record time.
Income Proof
- Pay stubs for the last 30 days
- W-2 forms for the last 2 years
- If self-employed: Tax returns for the last 2 years (Personal & Business)
Asset Proof
- Bank statements (checking/savings) for the last 2 months
- Retirement account statements (401k, IRA) for the last 2 months
Identification
- Valid Government-issued ID or Driver’s License
- Social Security Number
Refinancing Extras
- Copy of your current Homeowner’s Insurance policy
- Most recent mortgage statement
Ready to put these documents to work?
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