What to Expect

Step 1:

When you first call, we will discuss the specifics of your scenario and determine the best loan type for you.

Step 2:

You will provide the required documentation (see the general documentation requirements list), apply for your loan, and sign the initial disclosures.

Step 3:

Once your loan is submitted, underwriting will review the contents of your loan application and your supporting documentation. Occasionally, addition documents will be requested.

Step 4:

Waiting for:

  1. Title work to be processed

  2. The appraisal (if applicable) to be delivered.

Step 5:

Schedule closing and review the closing disclosure.

Step 6:

Closing!

Important Notes:

  1. Many companies pay money to know when someone has had their credit pulled so they can solicit people with suspicious offers. Be very wary of this. Instructions to opt-out can be found here.

  2. During your transaction, it is crucial not to change your spending habits. Do not open a new credit card, make any large purchases (such as appliances), apply for a car loan, etc.

  3. Ensure when you send your supporting documentation that you include all pages of each document. Even if a page says, “This page is intentionally left blank,” we need that page.