Six clear steps. One dedicated team.
- 1
Pre-Approval
We review your income, assets, and credit to issue a written pre-approval that tells you exactly what you can afford and gives sellers confidence in your offer.
- 2
Application
Once you're under contract, we complete the full application, disclose loan terms, and lock your interest rate at the right moment.
- 3
Processing
Our processing team orders the appraisal, title work, and third-party verifications, and assembles the file for underwriting.
- 4
Underwriting
An underwriter reviews the complete file against program guidelines and issues either a clear approval or a short list of conditions to resolve.
- 5
Clear to Close
All conditions are satisfied, final documents are prepared, and your Closing Disclosure is issued at least three business days before closing.
- 6
Closing
You sign, the loan funds, and the property is legally yours. Keys are handed over — welcome home.