Our Process, Built Around More Than Just a Pre-Approval Letter

How our process works

Pre-approval is just the start. Our process helps you build a mortgage strategy that supports your payment, your goals, and your next move with confidence.

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

  • Contact Our Team

    Start with a conversation so we can answer upfront questions and help you understand your next step.

  • Submit Your Application

    Complete your pre-approval application and send over your initial qualification documents.

  • Receive Your Pre-Approval

    One of our pre-approval specialists reviews your information and issues your official pre-approval.

  • Complete Your 1:1 Consultation

    We meet with you to talk through your financing strategy, payment comfort, and homebuying goals.

Why the 1:1 consultation matters

A pre-approval letter tells you what you may qualify for. A consultation helps you understand what makes sense for you. We use this conversation to talk through payment comfort, timing, strategy, and how your mortgage can support your broader goals.

  • Go Home Shopping

    With your strategy in place, you can begin shopping with more confidence and clarity.

  • Go Under Contract

    Once your offer is accepted, we help you move into the next stage of the loan process.

  • Home Inspection & Appraisal

    Key third-party steps begin so we can confirm the home's condition and value.

  • Processing & Underwriting

    Our team prepares your file and works with underwriting to keep the process moving forward.

  • Underwriting Conditions

    If any additional items are needed, we guide you through them as efficiently as possible.

  • Clear to Close

    Once final approval is in place, we prepare the last details for closing.

  • Closing, Funding & Recording

    You sign, the loan funds, and the transaction is officially recorded.

  • Client for Life

    Our relationship does not end at closing — we stay here as a resource for your future mortgage needs.

SIMPLE WAYS TO KEEP YOUR LOAN ON TRACK FROM CONTRACT TO CLOSING

Once you are under contract, small financial changes can create unnecessary delays. Use these guidelines to help keep your approval, closing timeline, and home purchase moving forward smoothly.

DO:

Keep Things Steady

- Keep us informed of any changes to your job, income, or assets

- Continue living at your current address unless you speak with us first

- Keep making your mortgage or rent payments on time

- Stay current on all existing credit accounts

- Let us know about any upcoming travel, large business expenses, or anything that could affect document timing

DON’T:

Make Changes That Could Affect Your Approval

- Make large purchases on credit without speaking with us first

- Apply for new credit cards, auto loans, or other financing

- Make large deposits into your bank accounts without documenting the source

- Close credit cards or pay off accounts in a way that changes your profile unexpectedly

- Move money between accounts without checking with us first

- Change your source of funds for closing without talking with our team

QUESTIONS?

Have questions about what comes next?

If you are unsure whether something could affect your loan, reach out before making the change. We are happy to help you protect your approval and closing timeline.

CALL OR TEXT 801-713-4000