The loan process starts with you. Let us know how you want to be contacted. We can chat, email or talk on the phone. Once we connect, we’ll match you with your Home Loan Expert. They will be your go-to person and your guide through the mortgage process.

Your Home Loan Expert will ask you some questions about your mortgage goals. They’ll work with you to set realistic expectations upfront and make sure you clearly understand the steps of the process. They’ll listen to your unique situation, help guide you to the best decision for meeting your financial objectives and treat you with respect along the way. But in order to get started with a financial analysis, they’ll need to check your credit.

To get the ball rolling on your new payment, we need your credit score. This is something every mortgage company requires. The credit check only takes a few seconds, and it only lowers your score a few points. Just ask a Home Loan Expert to check your credit for you. There’s no upfront cost!

It’s a good idea to stay on top of your credit history at all times. After we check your credit, we’ll be ready to discuss loan options and find the perfect mortgage for you.

Once we find the loan that’s right for you, we’ll prepare your application and accept your deposit. We accept a deposit from all of our clients. This money will begin to cover the third-party costs we incur from processing your loan, such as fees for your credit report, appraisal and title work. When you close your loan, your deposit will be credited toward your closing costs.

But we’re getting ahead of ourselves. We still have a lot of work to do, and we want to do it fast. So next up, we’ll get to work underwriting your loan.

In a nutshell, underwriting is verifying your income, assets and debt. To do this, your underwriter may need you to send in more documents, depending on the requirements of your loan. We’ll underwrite your loan as smoothly and quickly as possible.

When everything is ready and you give us the go-ahead, we’ll schedule your closing. Don’t worry about finding us – we’ll come to you. Home, office, coffee shop … you name it. Tell us where you want to close, and we’ll meet you there. It takes just a few minutes to sign some papers, and then you’ll have a brand-new mortgage! Pretty simple, huh? We want you to think so. That’s why we do all the hard stuff and leave the easy stuff to you.