How It Works

1. Initial Conversation

This first step is what sets us apart from the rest. We take the time to understand your individual financial situation and needs and start discussing options. With so many programs to choose from — each with different rates, points and fees — shopping for a loan can be time consuming and frustrating. With a better understanding of your complete financial picture and goals, we can recommend the most suitable mortgage program, allowing you to make an informed decision that you can feel good about.

2. Submission

The goal of our application and documentation collection is to do the heavy lifting up front so we can gather as much information as possible, allowing us to navigate the mortgage process more efficiently. No one likes surprises, so by accurately reviewing the information and documentation up front we can identify and mitigate any potential problem areas that could cause a delay.

Your loan is then sent to an underwriter for approval.

3. Underwriting

The underwriter will review your loan file and make a decision. Once approved, the underwriter will issue a conditional approval that is usually subject to only a few conditions. Conditions are items on your loan file that will need to be fulfilled prior to issuing the final mortgage approval. We will work with you to keep the process moving along smoothly and efficiently and to resolve any outstanding items so they are taken care of immediately.

Once all conditions are satisfied, congratulations, you are clear to close!

4. Closing

The lender works alongside the closing attorney to assemble the final paperwork and confirm the final numbers. Everything we do leading up to this point ensures that the closing is a smooth and enjoyable experience.

Let’s Get Started

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