Home Loan Process
Learn the step-by-step process to secure a home loan and understand each stage clearly.
- 1
Get Pre-Approved
Share your income, assets and credit with a loan officer to learn how much you may be able to borrow and which programs fit.
- 2
House Hunting
Work with your real estate agent to find the right home within your budget, then make an offer backed by your pre-approval.
- 3
Loan Application
Once your offer is accepted, complete your full application and choose your loan program. You'll receive a Loan Estimate.
- 4
Processing
Your processor gathers documents, orders the appraisal and title work, and verifies your information.
- 5
Underwriting
An underwriter reviews your file and issues an approval, sometimes with conditions you'll help satisfy.
- 6
Closing
Review your Closing Disclosure, then sign your final loan documents with the escrow or title company.
- 7
Funding
The lender funds the loan, the sale records, and you get the keys to your new home.
Get Started
If you're looking for a trusted guide to walk with you through the process, we're here to help every step of the way!