Before you shop, you need to know your budget. We review your income, assets, and credit to issue a Verified Pre-Approval Letter.
With your pre-approval in hand, you find your dream home and make an offer. Once the seller accepts, you are "Under Contract."
This is the heavy lifting. Our team orders the appraisal to verify the home's value and title work to ensure legal ownership.
An Underwriter reviews your file to ensure it meets all loan guidelines. They may ask for "conditions" (additional explanations or docs).
The magic words! The underwriter has signed off on everything. You will receive a Closing Disclosure (CD) at least 3 days before closing.
You sign the final loan documents (usually at a title company or with a notary). Once the loan funds, you get the keys!