Congratulations on Taking the First Step

Step 1: Apply Online

Start your application anytime with the “Apply Now” tab
Once completed, you can easily upload your supporting documents requested directly through the secure portal.

Step 2: Review & Pre-Approval

After you apply, we’ll review your information to see which loan programs fit your needs best.
Once pre-approved, we’ll send a pre-approval letter to your real estate agent to include with your offers.

Step 3: While You’re in Process

Avoid new credit inquiries, large purchases, or job changes during this stage as these can affect your approval.

Step 4: Once You’re Under Contract

• We’ll discuss locking in your interest rate and move your file to processing
• You’ll receive an application package for review and your e-signatures
• Schedule your home inspection
• We will order the appraisal. You’ll receive a secure link to pay the appraisal fee and will be provided with a copy of the report once it’s complete.

Step 5: Off to Underwriting!

• Your file will be reviewed for final approval, then move to our closing department to prepare your final figures and loan documents

• Your underwriter may request a few additional documents once your file is fully reviewed that’s completely normal. “Why don’t we ask for these up front”!? Until an underwriter sees the complete package, many of these questions just do not come up. We try very hard to prevent this but ultimately your underwriter is the one who will approve your loan for closing.