Loan Process

The loan process can seem very intimidating…that’s why we’re here to help! We’ve streamlined the mortgage process into five easy steps:

Introduction

The first step is for us to get to know you and vice versa. As your loan team, we will brainstorm loan ideas with you and look at all the possible loan scenarios. This helps us understand which of our programs will best suit your needs.

Education

There are tons of loan options and programs available. During this step, we’ll teach you about the lending/refinancing process and answer any questions you may have. Once we’re done, we’ll get you started with a loan application.

Implementation

Once your loan application is complete, we’ll submit everything, including your documentation, to a Loan Underwriter for a “conditional” loan approval. What exactly does this mean? Your loan is approved and is subject to additional conditions which you must meet to satisfy the Underwriter.

Process

After your conditional approval, we will work to help you satisfy all the conditions for the Loan Underwriter. This may include property appraisal, income verification, assets, liabilities, and other documentation needed for final approval.

Finalize

The last step is receiving final loan approval, signing the loan documents, funding, and closing your loan!

As you go through the entire loan process, we’re with you every step of the way.

Contact us and learn about rates, loan types, and how to get started!