THE

PROCESS

01. CONSULTATION​

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

02. APPLICATION

Submit an application through my online portal.

03. PRE-APPROVAL

Get an underwritten approval in one business day and start house hunting.

04. ACCEPTED OFFER

You win the bid and schedule a home inspection. Simultaneously, we will update your file and request any documents that may have expired.

Now that both parties have come to an agreement we can discuss ordering the appraisal, working on a commitment letter, interest rates and programs.

05. CONTRACTS

Updated documents, disclosures and contracts are submitted to underwriting for a loan commitment.

06. LOAN SUBMISSION

& DISCLOSURES

The appraisal is ordered to make sure that the current value of the property is equal to or greater than the price you are paying.

07. APPRAISAL

The underwriter will list all the conditions that must be submitted and approved before we can fund the loan.

08. COMMITMENT

LETTER ISSUED 

Once the appraisal has been approved and the title has been cleared, we will lock the interest rate.

09. LOCK IN RATE

10. REMAINING

CONDITIONS

All outstanding conditions are submitted to the underwriter for final approval.

Also known as a "clear to close" means that all conditions have been approved by the underwriter. Final numbers for closing will be issued as well as scheduling the closing.

11. FINAL APPROVAL

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