How It Works

The Loan Process,
Step by Step

We make the mortgage process transparent from your first call to closing day.

Your Journey

From First Call
to Your Keys

1
Day 1

Free Consultation

We start with a 15–30 minute call to understand your goals and situation.

No documents needed yet Free, no obligation
2
Day 1–3

Pre-Qualification

You submit documents, we run a soft credit check and issue a pre-qualification letter.

ID / Passport Pay Stubs W-2 (2 yrs) Bank Statements
3
Day 3–7

Loan Application

Full application submitted once you have a property under contract.

Purchase Contract Full Application Loan Estimate
4
Week 2–3

Processing & Underwriting

Underwriter reviews your file, appraisal is ordered. We handle all lender communication.

Property Appraisal Title Search Conditional Approval
5
Week 3–4

Clear to Close

All conditions cleared. Final Closing Disclosure issued at least 3 days before signing.

Closing Disclosure Wire Instructions
6
Closing Day

Sign & Get Your Keys

Sign final documents, funds disbursed, deed recorded. You get the keys.

Final Signing Keys!
What You'll Need

Documents
Checklist

Identity
  • Government-issued ID
  • Social Security Number
  • 2 years residence history
Income
  • 2 years W-2 forms
  • 30 days recent pay stubs
  • 2 years tax returns (self-employed)
  • YTD P&L (self-employed)
Assets
  • 2 months bank statements
  • Retirement/investment accounts
  • Gift letter (if applicable)
  • Source of down payment docs

* Documents may vary by loan type. We provide a custom checklist after consultation.

Common Questions

Frequently Asked
Questions

Most purchase loans close in 21–30 days. Refinances typically take 20–25 days. Complex loans such as commercial or construction may take 45–60 days.
Pre-qualification uses a soft pull — no impact. The full application involves a hard pull but multiple mortgage inquiries within 45 days count as one.
Depends on loan type: FHA from 580, Conventional from 620, DSCR/Bank Statement from 640–660. Contact us even with lower scores — we may have options.
No. We work with US citizens, permanent residents, and foreign nationals. Foreign national programs available for investment and second homes.
Typically 2–5% of loan amount, covering lender fees, title insurance, appraisal, recording, and prepaids. You'll receive an itemized Loan Estimate within 3 days.

Ready to Begin
Your Process?

Step 1 is a free 15-minute call. No commitment, no pressure.

Start Your Application Schedule Consultation