This can be done with a conversation over the phone or online. Our Quick Apply takes less than 8 minutes and gives us the basic info needed to get started. We will give you a call once we receive the information to go over some specifics, as well as get a feel of what your intentions and goals are. If you are ready, this is the step where we will pull credit and review your credit history.

You found a property, are under contract, and are good to go with the home inspection. We will now order the appraisal to determine the market value of the home. This is different from the home inspection where they are focused solely on the condition of the home. The appraisal focuses on the value of the home to ensure the home is worth enough to secure the loan. The appraisal will be completed by a local appraiser. The report takes 3-7 days to be returned to us and you will automatically receive a copy after we have reviewed it.

All of the documents you have provided to this point are put together by the processor to tell your "loan story" to an underwriter. The underwriter will be reviewing/nitpicking everything provided and looking for any missing documents or potential red flags. During the underwriting process, our team may come back with questions. You should respond as quickly as possible to ensure a smooth underwriting process.

Once your file is cleared to close by the underwriter, the attorneys begin working on the fat stack of papers you will be signing at closing. You will also receive the final Closing Disclosure. This will look similar to the initial Loan Estimate. The Loan Estimate shows the expected costs; the Closing Disclosure shows the exact costs. After all parties have hand-signed the closing paperwork- the funding authorization will be issued and the home is all yours!