01Step 01
Pre-qualification
Initial assessment & document review
- 1Submit essential documents for qualification assessment
- 2Determine suitable loan program and structure
- 3Receive pre-approval (typically 24-48 hours depending on complexity)
Loan Process
A mortgage path that feels organized from day one.
Changing the traditional mortgage process with personalized guidance, transparent milestones, and a cleaner handoff from application to closing.
Process
Purchase
Milestones
6
Support
Guided
Choose your loan path
Buy with a calmer, clearer path to closing.
Know what happens next at every point, from pre-qualification to receiving keys.
Step by step
Purchase timeline
Each milestone has a clear purpose, expected documents, and next action so the file keeps moving without surprises.
01
02Step 02
Submission
Application processing
- 1Lock in interest rate with your consent
- 2Receive loan estimate (LE) within 3 days with estimated closing costs
- 3Sign and acknowledge LE (required by law)
- 4Order appraisal and prepare application package
- 5Sign loan application and disclosures
- 6Submit your loan to the lender
03Step 03
Condition clear
Underwriting review
- 1Lender reviews and signs off conditions (may request additional conditions)
- 2Once all conditions are cleared, final loan approval is released
04Step 04
Loan approval
Final approval stage
- 1Lender issues conditional loan approval with required conditions
- 2Review conditions together
- 3Provide all requested items within 24-48 hours
- 4Discuss contingencies with your realtor
- 5Obtain homeowner's insurance quote and submit declaration page
- 6Receive and acknowledge closing disclosure (CD)
- 7Begin mandatory three-day waiting period
05Step 05
Sign Loan Documents
Closing preparation
- 1Lender sends documents to title/escrow company
- 2Review estimated closing statement and note before signing
- 3Complete signing appointment at title/escrow office
06Step 06
Funding and Recording
Loan funded & recorded
- 1Address any funding conditions from lender
- 2Wire down payment to title/escrow company
- 3Lender funds the loan
- 4Title/escrow records the loan the next day
Before you start
Keep these ready and the process moves faster.
Most delays come from missing documents or unclear goals. A little preparation up front makes underwriting smoother.
Income & assets
Pay stubs, W-2s, bank statements, and any source funds for closing.
Loan goals
Purchase price, refinance goal, target payment, cash-out amount, or timeline.
Property details
Address, occupancy, property type, insurance, and escrow/title contacts.
Fast responses
Quick answers to lender conditions help keep the closing date on track.
Ready when you are