A clear path from application to keys
We make the mortgage process transparent and predictable. Here's exactly what to expect at each step — and what you'll need from us.
Application
~15 minutesComplete our secure online application. You'll provide details about your income, assets, and the property (if you have one in mind). No hard credit pull yet.
Pre-Qualification
Same dayWe review your file, discuss your goals, and issue a pre-qualification letter stating how much you can borrow. Shop for homes with confidence and a stronger offer.
Find Your Home
Your timelineWork with your agent to find the right home. Once you're under contract, we order the appraisal and begin formal underwriting.
Lock Your Rate
1 dayWhen the time is right, we lock your interest rate so it won't change before closing — protecting you from market movement while your loan is finalized.
Underwriting & Approval
5–10 daysOur underwriter verifies everything and issues a clear-to-close. We'll keep you updated at each milestone and request any final documents quickly.
Closing Day
1 hourSign your final documents, fund the loan, and receive the keys to your new home. Congratulations — you're a homeowner!
What to gather before you apply
Having these ready makes your application fast and accurate.
- Photo ID and Social Security number
- Two years of W-2s or tax returns
- Two months of recent pay stubs
- Two months of bank and asset statements
- List of debts and monthly obligations
- Contract and property details (if under contract)