Home Buying
What to expect from application to closing
A clear timeline of the mortgage process — what happens at each stage, and how to keep your loan moving.
Not knowing what comes next is what makes the mortgage process stressful. Here's the whole timeline, so you always know where you are and what's coming.
Application and pre-approval
You share your basics — income, assets, and the property — and we verify them to issue a pre-approval. This is your green light to shop and make offers with confidence.
Processing and underwriting
Once you're under contract, we order the appraisal and verify the details of your file. Modern tools clear a lot of the routine conditions automatically, so you spend less time digging up documents and more time planning your move.
Clear to close and closing day
When underwriting signs off, you're 'clear to close.' You'll review your final figures, sign, and get your keys. The best way to keep everything on schedule is to respond quickly to any requests and lean on your loan officer — that's what we're here for.