The Full Process
From first call to closing day.
Here's exactly what happens, no surprises, no jargon. Just the straight truth about every step of the mortgage process.
Discovery Call
This is a 10-20 minute conversation where we get to know each other. I want to understand your goals, your timeline, and your financial picture at a high level. No application, no credit pull, just a real conversation about where you are and where you want to be. By the end, we'll know what the next steps will look like.
You: Be open about your goals, timeline, and any concerns.
My team: Listen, educate, and set clear expectations for the process.
Intake & Application
I'll have you click the Apply Now button to fill out an application or have my application link sent to you. You'll fill in your basic information and send me documentation based on your specific scenario to document employment and income, assets and certain debts.
You: Complete the application and gather basic financial documents.
My team: Review the application and begin evaluating loan program options.
Pre-Qualification
We'll work on getting your credit report, run your numbers through multiple lenders, and put together a clear picture of what you qualify for. I'll walk you through your options in plain English: the rate, the program, the monthly payment, and the pros and cons. You'll leave this conversation knowing exactly where you stand and what you'll need in order for buying a home to make sense for you.
You: Review the pre-qualification and ask any questions.
My team: Obtain credit report, run scenarios, present best options with full transparency.
Pre-Qualified: Shop & Offer
You're pre-qualified and ready to shop. Your pre-qualification letter is good for about 30 days. Work with your realtor, tour homes, and when you find the one: we move. I can update your pre-qual letter within hours if needed for a specific property or offer amount.
You: Work with your realtor to find and make offers on homes.
My team: Provide updated pre-qual letters and stay on standby for quick turnarounds.
Contract Accepted
Your offer got accepted! Let's go!!!! I'll reach out to refresh any documents that may have changed, collect your purchase agreement, and get your homeowners insurance quotes started. The clock is ticking, and we don't waste a single day.
You: Provide the signed purchase contract and start shopping homeowners insurance.
My team: Refresh documents, order title work, and prepare the file for processing.
Processing
My processor takes your file and organizes everything the lender needs. We pre-underwrite the file internally, catch any issues before the lender sees them, and make sure we're submitting a clean, complete package. You might get a few requests for documents during this phase; respond quickly and we stay on schedule.
You: Respond promptly to any document requests.
My team: Organize file, pre-underwrite, and prepare for lender submission.
Submission to Underwriting
Your file is submitted to the lender's underwriting team. This is where they verify everything: income, assets, employment, and property details. Typical turnaround is 2-5 business days for initial review.
You: Sit tight. We've got this. Don't make any major financial changes.
My team: Submit to lender, monitor status, and respond to any initial conditions.
Appraisal & Conditions
The appraisal confirms the home's value supports the loan amount. We order the appraisal through the lender or the AMC; the lender doesn't place it the way a lot of people picture. We'll send a payment link for the appraisal to you or whoever is paying for the appraisal on your behalf (this is a third-party fee collected up front by the third party). They'll also issue a list of conditions: additional documents or clarifications needed. This is normal. We handle the heavy lifting and come to you for what we need.
You: Provide any additional documents requested. Your realtor or the listing side usually helps coordinate access for the appraiser.
My team: Manage appraisal scheduling, collect and submit all conditions to the lender.
Final Underwrite & Clear to Close
All conditions have been submitted. The lender does a final review and issues the Clear to Close. This is the green light. We schedule your closing date, finalize numbers, and make sure there are no surprises at the table.
You: Review the final Closing Disclosure and confirm closing date/time.
My team: Ensure all conditions are met, coordinate closing with title company and all parties.
Closing Day
You sit down at the title company, sign the papers, and get the keys to your new home. I'll make sure you know exactly what you're signing and why. If I can, I like to go to closings. If I can't, I'll celebrate with you over the phone or by text.
You: Bring your ID and any required funds. Sign the documents. Get your keys.
My team: Coordinate final details, confirm wire instructions, and celebrate with you.
Ready to get started?
Apply in minutes, or schedule a quick call to talk through your situation.