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From pre-approval to closing day — here's exactly what to expect at every step, so there are no surprises along the way.
7 Steps
From Application to Keys
28 Days2
Our Average Closing Time
87%2
Close On or Ahead of Schedule
94%2
Receive Proactive Weekly Updates
We review your credit, income, assets, and debts to determine how much you can borrow and which loan programs fit your profile. You'll receive a pre-approval letter that shows sellers you're a serious, qualified buyer.
With pre-approval in hand, you work with your real estate agent to find the right home. Your pre-approval letter gives you a clear budget and makes your offers more competitive.
Once you're under contract, we finalize your loan application with the specific property details. This locks in the exact loan type, amount, and terms for your purchase.
Our processing team verifies all the information in your file — employment, income, assets, title, and insurance. They prepare everything for underwriting review.
An underwriter reviews your complete file to make a lending decision. They may approve with conditions (additional documentation needed) or issue a clear approval.
All conditions are met and your loan is fully approved. We prepare your final Closing Disclosure, which outlines your exact loan terms, monthly payment, and closing costs.
You sign your final loan documents, pay your closing costs and down payment, and receive the keys to your new home. The title transfers and the loan is funded.
Small steps that make a big difference in keeping your loan on track.
The faster you provide requested documents, the faster your file moves through processing and underwriting. Delays in documentation are the #1 cause of closing delays.
Don't open new credit accounts, make large purchases, change jobs, or move large sums of money between accounts during the loan process. These can trigger additional review and delays.
Keep your phone on and email accessible. Answer calls from your lender and title company. If something changes in your situation, tell your loan officer right away — early communication prevents problems.
The first step is a conversation. Let's talk about your goals and get you pre-approved — our average closing time is just 28 days.2
