The Process

How a mortgage actually closes.

No mortgage experience needed. Here's what actually happens between your first phone call and getting the keys, step by step, in plain English.

Steps, Start to Keys

Loan Officer the Whole Way

Step 1 · Application

Tell Us What You Need

A quick conversation about what you're buying, refinancing, or trying to solve.

What actually happens →

Step 2 · Pre-Approval

Real numbers, checked against real lenders, so you know your true price range.

What actually happens →

Step 3 · Shopped to the Market

We take your loan to the lenders who are actually likely to say yes.

What actually happens →

Step 4 · Underwriting

The lender verifies everything to make sure the loan is safe to fund.

What actually happens →

Step 5 · Clear to Close

The green light. From here, it's just paperwork and a signature.

What actually happens →

Step one is a conversation

Tell us what you're trying to do. A real, licensed loan officer takes it from there, and stays through step five.

NMLS #2354674 · Equal Housing Opportunity · Not a commitment to lend