The loan process
From working out your buying power to signing at the closing table — here's every step, in order.
Step 1
Find out how much you can borrow
Start by determining how much home you can comfortably afford. A quick pre-qualification uses standard lender guidelines to calculate your buying power. Getting pre-approved — with income, credit, assets and liabilities verified — puts you in a stronger position with sellers and closes faster.
- LTV and debt-to-income ratios set the maximum a lender will finance.
- FICO credit scores drive pricing; only authorize a credit pull once you've chosen to apply.
- Self-employed borrowers typically document income with two years of tax returns.
- Down payment funds can be saved or gifted with a signed gift letter.
Step 2
Select the right loan program
We compare fixed and adjustable structures, government and conventional options, and the niche programs you may qualify for — then explain the trade-offs in plain language so you can choose confidently.
Step 3
Apply for your loan
Complete a secure digital application in minutes. Upload documents from your phone and track everything in your borrower portal.
Step 4
Loan processing and underwriting
Your file is verified, the appraisal is ordered, and conditions are cleared. You'll see every open item and its status in real time.
Step 5
Close your loan
Review your closing disclosure, sign, and get the keys. We stay with you through funding and beyond.