Our online QuickQualification tool is the mortgage industry’s best self-assessment of your ability to achieve an underwriting approval. Once you are ready to speak with someone, we connect you with a mortgage expert to evaluate your credit, income, and assets. Then we will identify the home loan programs for which you qualify. Next, we will give you a pre-approval letter to let real estate agents and sellers know that you are a serious buyer. Finally, you and your real estate agent can begin your home search.

1. Review credit, income & assets.

2. Determine loan program & pre-approval.

3. Begin home search.

Once you’re pre-approved, you can immediately begin a full mortgage application, or you can wait until you’ve secured a home contract. Either way, we’re here to help you move things forward on your timeline. Once you’re under contract, we’ll gather information about the property and prepare the official mortgage documents for your review and signature.

1. Identify home

2. Update and complete mortgage application

3. Review and sign mortgage documents

Set up is when we begin orchestrating third-party inspections, initiating searches, ordering verifications and requesting other reports to complete your mortgage application. Your dedicated fulfillment team will order the appraisal, title search, and other inspections needed for your new home. Also, we’ll obtain supplemental verifications and transcripts to support the information on your loan application.

1. Coordinate appraisal inspection.

2. Order title search.

3. Request verification, transcripts, and other reports. 

During processing, we compile and verify your loan file is ready for underwriting review. If something is missing, a member of your fulfillment team will try to obtain the information on your behalf or contact you to gather whatever is missing. If your loan file is complete, we wil then present your loan to underwriting for review.

1. Compile complete loan file.

2. Gather missing information.

3. Submit for underwriting review.

Underwriters check loan submissions to make sure they meet mortgage loan guidelines. If the submission meets the guidelines, the underwriter will issue an underwriting approval. In certain instances, the submission does not meet guidelines and the underwriter will deny the loan. Once an underwriter approves a loan, he or she may have additional questions or require supplemental documents from you or various other parties to the loan. Those additional questions or documents are called “conditions”. Your fulfillment team will work with your or on your behalf to clear your loan for closing. Once the underwriter clears all conditions, the loan is “clear to close”.

1. Underwriter compares loan to guidelines.

2. Underwriter approves or denies loan.

3. Processing coordinate to clear underwriting conditions.

Once your loan is clear to close, we’ll coordinate the closing with the title company. The title company is the settlement agent, receiving and distributing all funds, and ensuring the buyer and seller have done what they need to do for the transfer of the property. Once the title company accounts for funds and verifies all documents have been properly signed, you’ll receive the title (and the keys) to your new home. At this point, you’ve completed your home purchase.

1. Schedule closing with title company.

2. Bring funds & sign closing documents.

3. Take keys to new home.