Understanding the Mortgage Process
Clarity and Confidence, From Start to Close
Whether you're a first-time homebuyer or a seasoned mover, understanding the mortgage process helps you plan with confidence. Our team is here to guide you every step of the way—from loan application to closing day.
Start Strong With a Pre-Approval
In today’s market, applying early for mortgage pre-approval is a smart move. It helps you understand your budget, shows sellers you’re serious, and gives you a stronger position when making an offer. Our loan officers are here to guide you through the process.
Step-by-Step Home Buying Guide
Build Your Team
Start strong by connecting with a local loan officer and a trusted realtor. Together, they'll guide you through the financial and home search process, making sure you're informed and supported every step of the way.
Apply for Pre-Approval
Work with your loan officer to complete a mortgage application using your income and credit info. A pre-approval shows sellers you’re serious—and helps you and your realtor shop with confidence.
Find & Secure a Home
Your realtor will help you tour homes, compare properties, and submit offers. As your lender, we’re here in the background, ready to lock in your rate when the time is right and guide you through next steps.
Loan Processing
Once your offer is accepted, our in-house processing team gets to work verifying documents, ordering the appraisal, and prepping your loan file. Behind the scenes, we’re keeping things moving efficiently toward underwriting.
Underwriting
Your loan file heads to underwriting for final review. We'll confirm that everything meets guidelines and let you know if any additional documents are needed.
Final Approval
Once your loan is “clear to close,” you’ll receive a Closing Disclosure to review. Your loan officer will coordinate closing details and share a pre-close checklist to help you prep for the big day.
Closing Day
You’ve made it! At settlement, you’ll sign your final documents and officially become a homeowner. Then it’s time to celebrate—and move in! We’ll always be here if you have questions post-close.
Do I need to be pre-approved before making an offer?
Pre-approval isn’t required, but it’s strongly recommended. It shows you’re financially ready and gives your offer more weight.
What documents do I need for a mortgage?
Common documents include pay stubs, tax returns, bank statements, and photo ID. Your loan officer will give you a full list.
What happens during underwriting?
The underwriter reviews your financials, credit history, and the home you’re buying to confirm you meet loan requirements.
Mortgage Process FAQs
Have questions about how home loans work? You're not alone. Here are answers to common questions from homebuyers.
Real People. Real Answers. Real Support.
You don’t have to navigate the mortgage process alone. Let our experienced loan officers walk you through the next step with no pressure—just help.
