Step 1: Apply for a loan
Start by completing our secure online application. It walks you through basic information about your income, employment, assets, and the type of loan you’re seeking. Once your application is complete, we will begin asking for documentation to complete the loan approval cycle. The more complete your file is upfront, the smoother the process will be.
Step 2: Mortgage Consultation
Once your application is submitted, we’ll schedule a consultation — either in person or virtually — to review everything together. We’ll discuss how much you qualify for, your estimated monthly payment, closing costs, and which loan option best fits your goals. This is your time to ask questions and make sure you feel comfortable with the plan moving forward.
Step 3: Pre-Approval
After reviewing your information, we’ll issue a pre-approval letter showing the price range you qualify for. This allows you to shop with confidence and shows sellers you’re a serious buyer. While you’re house hunting, try to avoid changing jobs, opening new credit accounts, or making large purchases, as those can affect your approval.
Step 4: Under Contract
Once your offer is accepted, we move into the official loan approval stage. We’ll verify your information, order the appraisal, and finalize your loan details. You may be asked for updated documents during this time — responding quickly helps keep your closing on track.
Step 5: Loan Closing
After your loan is approved, you’ll receive your final loan documents to review and sign. You’ll also receive a Closing Disclosure outlining your final numbers ahead of time. Bring valid identification and any required certified funds to closing. Once everything is signed and funded, you officially become a homeowner.
Questions? We’re here to make the process clear and comfortable from start to finish. Reach out anytime — we’re happy to walk you through it.
Start your online application here:
