Homebuying Process

1. BECOME PRE-APPROVED

Becoming pre-approved is important while house hunting.

You’ll learn how much house you can afford and gain negotiating power that lets the seller know your financing is certain and you are serious about purchasing a home.

GET PRE-APPROVED

2. GET ORGANIZED WITH YOUR DOCUMENTATION

To verify your expenses and income, we'll need you to provide documents, such as:

Driver’s license, W-2s from last two years, pay stubs for last 30 days, last two months of any investment accounts, a copy of your divorce decree (if applicable), last two months of bank statements (all banks and all pages).

3. APPLY FOR YOUR LOAN & PROVIDE DOCS

Once you've found the home of your dreams, it's time to formally apply for your loan!

You'll submit documents to verify your employment, income, property information, assets, liabilities, and more. We'll give you an official Loan Estimate to review, then you communicate your Intent to Proceed.

APPLY NOW

4. UNDERWRITING

Once you have completed your loan application, we will begin the loan process.

An underwriter will research your credit history, employment history, assets, and the property value of the home you are financing. You can expedite this process by promptly responding to us, avoiding major purchases, and not moving money around.

5. CLOSING DISCLOSURE

At least 3 days before you close on your home, you will receive a Closing Disclosure.

This is a 5-page document that will help you understand all the costs of your loan. Once you receive this, it is critical that you confirm receipt immediately.

6. CLOSING YOUR LOAN

Congratulations! On closing day, be prepared to:

Bring a cashier’s check for your down payment and closing costs (if applicable), review your final documents for accuracy, sign all loan documents. You will leave the closing table with the keys to your new home!