Mortgage Process.

getting a mortgage shouldn't be complicated.

Looking for a mortgage?

Getting a mortgage can be daunting-- but don't worry, we're here to guide you through every step of the process.

If you have any questions, feel free to drop us a line!

MORTGAGE PROCESS

Evaluate your
finances

Understanding the reality of your finances-- what you need vs. what you want, and what you can afford-- builds the foundation on which your homeownership journey is built. The best preparation for getting a mortgage is keeping your revolving credit low, pay all your bills on time, and give yourself time for "surprises."

Pre-Qualification

It's smart to get a pre-qualification before you start house-hunting. Getting pre-qualified means you know exactly what you can afford-- plus, if you need to to move quickly to accommodate the seller's needs, you've already provided most of the information for a full application!

Hiring A Realtor

Remember, your real estate broker works for you, so it's important to find one that fits your needs-- and your vibe!

House-shopping

There are tons of tools to help you narrow down your home search; Zillow, Redfin, Trulia, Realtor.com, just to name a few.

Home Inspection

A home inspection is different from an appraisal; an appraisal is done for the lender's benefit, but a home inspection ensures the home is liveable for YOU!

Mortgage Application

You're finally ready to apply! Get your documents together. It's a good idea to have your bank statements, paystubs, and identification ready to go.

Rate Locked!

Once you've submitted your application, your rate is locked, and you're well on your way to getting a mortgage. But you're not done yet..

Appraisal Ordered

Your lender will order an appraisal of the property in order to determine its value compared to other homes in the area.

Underwriting

Your loan is now moving through the hands of people checking and re-checking it down to the tiniest detail to make sure everything lines up. This process can take between 2-4 weeks, typically.

Closing

You've done it! Once you sign the closing documents, the mortgage is finalized and the home is yours.