What happens: You submit your official loan application with all required documentation.
Your role: Provide pay stubs, W-2s, bank statements, and sign initial disclosures.
Estimated Time: 1-2 Days
Your complete guide to navigating the path to homeownership with confidence.
Track your progress from application to keys in hand. Click each step to learn more.
What happens: You submit your official loan application with all required documentation.
Your role: Provide pay stubs, W-2s, bank statements, and sign initial disclosures.
What happens: Our team reviews your file, orders the appraisal, and verifies employment.
Your role: Respond quickly to any requests for additional information.
What happens: An underwriter reviews your entire financial profile to ensure it meets guidelines.
Your role: Sit tight! We may ask for clarification on large deposits or credit inquiries.
What happens: Your loan is approved pending a few final conditions (e.g., appraisal report, insurance).
Your role: Provide the final requested items to clear these conditions.
What happens: The golden ticket! All conditions are met, and the lender authorizes closing.
Your role: Review your Closing Disclosure (CD) which you'll receive at least 3 days before closing.
What happens: You sign the final paperwork, funds are transferred, and you get the keys!
Your role: Bring your ID and a cashier's check (or wire funds) for your down payment/closing costs.
Extra help to make your dream home a reality.
Many first-time buyers qualify for grants or low-interest loans to help with the down payment and closing costs. We can help you identify local and state programs you may be eligible for.
HUD-approved housing counseling agencies offer advice on buying a home, renting, defaults, foreclosures, and credit issues. Completing a course can sometimes qualify you for lower rates or assistance.
Explore loan options designed with you in mind.
Use our interactive calculators to estimate your monthly payments and see how much home you can afford.