The Loan Process

Complete your online application as thoroughly as possible.  A licensed Loan Officer will help you with any questions you may have. We'll add initial disclosures to your online account, then send you an email to login and eSign them.

Relax - you're set for now! We'll let you know if we need anything. We'll set up all title requirements with one of our title partners.

Underwriters evaluate your credit history, assets, the size of the loan you request and how well they anticipate that you can pay back your loan. They’ll also verify your income and employment details and check out your DTI as part of this risk assessment.

We'll let you know if your loan is approved. We may have some final requests from the underwriting team. You'll need to submit any final requests ASAP. We want to make sure your rate stays locked!

We will order an appraisal for your property. You'll receive a call from a licensed appraiser to set up an appointment. We'll send you a copy of the appraisal for your review. This may take a few weeks, but we will continue to move forward. Sometimes a refinance does not require an appraisal. We'll let you know up front if you need one.  

We'll send you the good news once all the requirements have been met and you're clear to close! We'll send closing disclosures to your online account for you to sign. We'll have the title company call you to set a time for closing.

You have a new mortgage! We'll receive your final documents and send the details for making payments as soon as we have the information. You will get a survey to rate your experience. We love providing you 5-star service!