There are twelve steps involved in getting a home loan. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.

Step one: Loan Application
Loan Application completed and submitted to your Loan Agent.

Step two: Documentation
Loan Agent collects any necessary documentation for pre-approval.

Step three: Structure
Your Loan Agent meets with you and determines a loan structure based on your financial goals and needs.

Step four: Pre-Approval
Your Loan Agent issues your pre-approval and you begin looking at homes with a professional Realtor (R).

Step five: Closing Date
You find your home and your Realtor (R) presents an offer on your behalf. The offer is accepted and a closing date is set.

Step six: Appraisal
Your Loan Agent orders the appraisal, title and other necessary document



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Step seven: Submit
Your Loan Agent submits your completed file to the underwriter for final loan approval.

Step eight: Final Approval
Your Loan Agent issues your final approval - Any remaining conditions are collected and satisfied.

Step nine: Documents Ordered
Loan documents are ordered and sent to the title company where they are prepared and await your signature.

Step ten: Closing
Closing loan docs are sent back to your lender for final review and funding.

​Step eleven: Funds
Your lender funds the loan and the title company records the new lien.

Step twelve: Congratulations!
Welcome to your new home!

Looking for mortgage advice?
We'll be glad to answer your questions about
your mortgage options!
Give us a call today at (925) 998-2964 or
E-mail: [email protected] 

Golden Pacific Home Loans
111 Deerwood Dr Suite 200 San Ramon, CA 94583
CA BRE# 01918049 NMLS# 967683