01. CONSULTATION​

Schedule a 15 minute call with me to discuss your scenario.

02. APPLICATION

Fill out my user-friendly and secure online application.

03. PRE-APPROVAL

Once a complete file is submitted, we will have an underwriter's decision by the end of the next business day.

04. ACCEPTED OFFER

When you finally have an accepted offer we will update your file and collect any documents that may have expired.

Now that both parties have come to an agreement we can discuss ordering the appraisal and interest rates and programs.

05. CONTRACTS

There are disclosures that need to be signed in order to move forward and we will discuss preliminary closing costs.

06. LOAN SUBMISSION

& DISCLOSURES

After an appraisal is in and approved it's time to have an in depth conversation about locking the interest rate.

07. APPRAISAL

A commitment letter will list any outstanding conditions that are needed before we can lend.

08. COMMITMENT

LETTER ISSUED 

At this stage you will be receiving updated disclosures and we are getting closer to your closing date.

09. LOCK IN RATE

10. REMAINING

CONDITIONS

Any outstanding conditions are submitted to underwriting and we wait for a "clear to close."

All conditions outlined in the commitment letter have been satisfied and we are ready to set a closing date.

11. CLEAR TO CLOSE

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