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
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!