the pre-approval process, clearly explained

A simple guide to what happens after pre-approval

Getting pre-approved is an important first step. This page shows you what happens next, what we may need from you, and how our team helps keep your loan moving smoothly toward closing.

WHAT TO EXPECT AS YOU MOVE TOWARD CLOSING

From your pre-approval to your closing day, we guide you through each step with clear communication, fast follow-up, and support you can count on.

Our Process

  • Getting Started

    Once we receive your information, we will reach out, explain the process, and let you know what documents may be needed.

  • Reviewing Your Pre-Approval

    We review your application, income, assets, and supporting documents so your pre-approval is based on a strong financial picture.

  • Planning Your Financing

    We talk through your budget, monthly payment comfort, and homebuying goals so your financing strategy fits your plans.

  • Once You Are Under Contract

    After your offer is accepted, we update your loan strategy and move your file into the next stage of the process.

  • Processing & Underwriting

    Our team works through required documentation, third-party items, and underwriting conditions while keeping you informed.

  • Clear to Close

    Once final items are complete, we prepare your closing figures and coordinate the final signing steps.

  • Closing & Beyond

    After closing, we remain a resource if you have questions about your loan, your home, or what comes next.

IMPORTANT DO’S AND DON’TS WHILE BUYING A HOME

Once you are pre-approved or under contract, it is important to keep your finances as consistent as possible. These simple habits can help protect your approval and avoid delays.

DO

Keep Things Steady

- Let us know about any large non-payroll deposits so we can help document them correctly.

- Send requested documents as soon as possible to help keep your loan on schedule.

- Keep making all payments on time and continue your normal financial habits.

DON’T

Make Changes That Could Affect Your Approval

- Do not open new credit cards, car loans, or other financing before closing.

- Do not move large amounts of money between accounts without checking with us first.

- Do not change jobs, pay structure, or employment status before speaking with your loan team.

QUESTIONS?

Have questions about what comes next?

If you have questions about your pre-approval, your documents, your contract, or the next step in the process, our team is here to help.

CALL OR TEXT 801-713-4000
CALL OR TEXT 801-713-4000