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.
Step 1
Tell Us What You Need
Industry term: Application
A quick conversation about what you're buying, refinancing, or trying to solve.
Step 2Find Out What You Can Actually Borrow
Industry term: Pre-Approval
Real numbers, checked against real lenders, so you know your true price range.
Step 3We Compare Lenders For You
Industry term: Shopped to the Market
We take your loan to the lenders who are actually likely to say yes.
Step 4The Lender Double-Checks Everything
Industry term: Underwriting
The lender verifies everything to make sure the loan is safe to fund.
Step 5You're Approved. Time to Close.
Industry term: Clear to Close
The green light. From here, it's just paperwork and a signature.