LET US WALK YOU THROUGH THIS

Step 1
Get Prequalified

To prequalify or be conditionally approved for a mortgage is the easiest way to know how much you can borrow towards your purchase. A prequalification gives you an idea of how much you can borrow based on your income, credit, employment and assets. All home lending products are subject to credit and property approval.

Step 2
Find a Home

Once prequalified and conditionally approved you can start looking for your dream home based on the amount you can borrow towards your new purchase. When your offer is accepted by a seller and a contract is executed by both buyer and seller you will then enter into a contract and escrow.

Step 3
Processing & Closing

The processor gathers documentation about the borrower, property, reviews all information in the loan file and organizes a complete package for submission to the lender. An underwriter will then review all documents received from the processor and closely verify all information is accurate and the borrowers meet the eligibility requirements.

The underwriter after reviewing all information will approve your new loan (sometimes with conditions). Once all conditions are met and reviewed by the underwriter, loan docs will be prepared and signed by the borrower. The loan will then fund and once recorded allow the buyers to take possession of their new home. CONGRATULATIONS!