Step 1 Getting Started
The first step is completing an application. Financial information, including your credit rating, may be collected and we will ask for paperwork to confirm your employment status and income. Dont worry, these are things you probably have on hand: pay stubs, tax returns, etc.
Step 2 Bringing it Together
The next step is combining your application with the documents you provided in step one. We will review these items and it may be necessary to provide us with additional paperwork, depending upon the type of mortgage you are seeking. If an appraisal is required, it will be ordered during this step.
Step 3 Reviewing the Facts
The third step is reviewing the application and associated paperwork in great detail. We will verify your income and assets. We will also review the guidelines to ensure we have crossed all of the Ts and dotted all of the Is. Congratulations, you are halfway there!
Step 4 Meeting the Criteria
Some applications may meet the initial loan criteria, but require a few additional items to move it forward. If this is the case with your application, we will explain what is needed and help you collect the information needed to complete the process.
Step 5 Getting You Home
This is the final step in the mortgage process. If there are any remaining details, we will let you know and ensure all of our ducks are in a row. Get your pen ready ... there are closing documents to sign!
Step 6 Home Sweet Home!
Congratulations! The process is complete. Enjoy your new home and be sure to mention us to your family and friends.