1
Pre-qualify
A few questions about your goals, income and budget give us a starting point.
2
Pre-approval
We review your finances and documents to help clarify your purchasing options.
3
House hunting
Explore homes with a clearer understanding of your budget.
4
Application and documents
Complete your application and gather the records your lender needs.
5
Processing and appraisal
The lender reviews your file and arranges a property appraisal when required.
6
Underwriting
An underwriter reviews the loan and any remaining conditions.
7
Closing
Review the final documents, sign and start your next chapter.
A head start
What documents will I need?
Your loan officer will tailor the list to your situation. These are common starting points.
- Photo identification
- Recent pay stubs and income records
- Tax returns and W-2s, if requested
- Recent bank and asset statements
- Current debt and housing payment details
- Purchase contract, when available
- Additional records for self-employment or your loan program