welcome!

The first step towards your new home loan is to complete the loan application and provide supporting documents. Your processor will review your loan file and may request additional information in order to provide the most complete story possible to the Underwriter. 

Your processor will submit your loan to the lender for initial underwriting approval. Complete and accurate loan files move through the process more quickly and with fewer complications. 

Once your loan is approved, your processor will request additional information to meet underwriting conditions. Sometimes these requests may seem excessive or unnecessary, but are still needed before final loan approval. 

Your processor will work closely with the appraisal management company to ensure that your appraisal is completed quickly and with minimal cost to you.

We understand that choosing the right homeowner's insurance can be a big decision. Please provide your insurance quote as early as possible and let us know if you need a referral! 

Also referred to as the CD, the Closing Disclosure must be reviewed and eSigned a minimum of four days before you can sign loan documents. 

Your initial CD will rarely be 100% accurate, but please sign it as soon as possible so your closing isn't delayed!

Everyone's three favorite words! This means that your loan has been fully approved by the Underwriter and is ready to start the closing process. 

Once your loan is CTC, your processor will work with your lender and the title company to finalize your CD and cash at closing. 

Closing documents can be signed with a notary almost anywhere! Closings for purchases are usually set up by your real estate professional, so make sure your processor knows the date and time of your closing so we can make sure it goes smoothly! 

Depending on where you live and what type of home loan you will get, your loan may not fund the same day you sign.