Mortgage Answers
Mortgage Process Explained*
Gather your financials (paystubs, bank statements, asset statements, etc.).
Complete the mortgage application.
Personal and financial information are verified.
Receive loan options with estimated loan costs, terms, and projected payments.
Choose the option that works best for you.
A professional appraiser determine's the property's market value.
A title search confirm's the property's rightful, legal owner.
Any additional required or selected inspections are completed.
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Your loan and other documents are reviewed by the lending team.
We will work through any additional questions.
Once all is approved, your closing will be scheduled.
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At least 3 days before closing day we will send you disclosures detailing loan terms and conditions, list all costs and fees you will be expected to pay when you sign your paperwork.
On closing day and after all documents are signed you can pick up your keys.
For refinances once all closing requirements are met and any applicable waiting period has passed, your new loan can fund and your existing mortgage will be paid off.​
Celebrate, unpack, decorate and enjoy your new home.
OR
Celebrate and enjoy the benefits of your refinance.
I'm ready to apply.
Let's talk first.
* This is a general explanation of the mortgage process and not all-inclusive. Rates, terms, and loan options are subject to borrower qualifications, underwriting and availability. Not all applicants will qualify for the lowest rate or cost option. Rates and costs may change without notice.