For a complete overview of the mortgage journey, including documentation and common borrower questions, visit our Mortgage Resource Center.
A clear, step-by-step overview of what to expect – from first conversation to closing day. This guide explains how the mortgage process works from pre-approval through closing.
Initial consultation & Pre-Approval
During this phase, we review your goals, income, assets, and loan options to determine what you qualify for. This allows you to shop with confidence, understand your true buying power, and avoid surprises later in the process.
This stage is an important part of how the mortgage process works, ensuring buyers are prepared before moving forward.
Home Search & Offer
With a strong pre-approval in hand, you can make competitive offers while we stay aligned on pricing, terms, and timing. We remain available to update numbers and strategy as you find the right home.
Under Contract
Once your offer is accepted, key details are confirmed and third-party services are ordered. Your file is organized and prepared so the transaction can move smoothly into the next phase. You’ll likely wire your escrow deposit to the Title Company at this stage as well.
Inspection Period
This is your due-diligence window to evaluate the property, negotiate repairs or credits, and confirm the deal still makes sense.
During this phase, buyers typically schedule inspections, review reports, and negotiate repairs or credits if needed. This step helps ensure there are no surprises before moving forward.
Processing & Underwriting
Your application is reviewed in detail as documentation is verified and lender conditions are addressed. We guide you through any requests and keep the process moving efficiently toward approval.
Clear to Close & Funding
Once approved, final documents are prepared and closing is scheduled. Funds are released, ownership officially transfers, and you receive the keys to your new home.