Mortgage Solutions Built Around Your Life

Before you start the application, a few simple steps make everything easier. Check your credit report for errors. Gather recent pay stubs, tax returns, and bank statements. Think about your down payment and how much you want to borrow. If you're self-employed or have non-traditional income, collect documentation that shows your earning history. The more organized you are going in, the faster we can move. We're also happy to have a conversation first, no obligation. Many people find it helpful to talk through their situation before they commit to applying.

Once you apply, we verify the information you provide. We order a credit report, request documentation of income and assets, and order an appraisal of the property. We also order a title search to make sure the property is free and clear. During underwriting, our team reviews everything carefully and asks clarifying questions if needed. This process typically takes a few weeks. We keep you updated throughout and let you know what's coming next. If anything needs more documentation, we'll ask early so there are no surprises at the closing table.

When underwriting is complete and everything is approved, we move to closing. A few days before, we'll send you a Closing Disclosure that shows all the loan terms and costs. You'll review it, ask any questions, and then meet with a closing agent to sign documents. The closing agent explains each document, ensures all details are correct, and handles the funding of the loan. Once everything is signed and the funds transfer, the property is officially yours. We're here if any questions come up in those final days.