Loan Process

We look forward to serving you

What to Expect During The Loan Process

You found a home! What is the next step? What’s the timeline and steps to make this a done deal? This 6-step simple guide to the mortgage lending process to make it easier for first-time home buyers to stay ahead of the process like a pro.

Submit Loan Application

Submit your required documentation such as pay stubs, tax documents, and credit statements. Your loan officer will provide you with a specific list of what is needed to submit your application.


The underwriter makes sure the deal is rock solid and fits all guidelines. They might ask you for additional documentation. It happens often and doesn't necessarily indicate a problem.

Home Inspection

The buyer orders the home inspection as soon as possible. Home inspectors will often uncover and recommend repairs at the seller's expense that you may not have noticed.

Loan Approval

First, the loan underwriter signs off on the loan. Then, they order the loan documents. Once approved, the lender sends the loan paperwork to a title company of your preference.

Home Appraisal

The mortgage lender orders a home appraisal to make sure the home you are buying is in line with your purchase offer. Appraisals must ususually come in close to the loan amount, not lower.


The title company has calculated the costs and credits for all parties. Bring in payment to close the deal and sign all loan and closing documents. The title is recorded and the keys are yours.

Loan Checklist

  • Prior 2 years of Federal tax returns. Include applicable W-2's and 1099's
  • For W-2 employees the most recent 30 days of paystubs
  • For the self employed recent profit and loss statements
  • Most recent 2 months of asset statements
  • Current mortgage or property statements
  • Any rental agreements for rental properties owned
  • Completed mortgage application