• Complete your loan application. • Submit required documents (ID, income proof, bank statements, tax returns). • Review and sign initial disclosures. • Credit report is pulled.
• Processor reviews your application. • File is submitted to underwriting. • Conditional loan approval is issued.
(Optional but Recommended) • Schedule a home inspection. • Negotiate repairs if needed.
• Appraisal inspection scheduled. • Title search initiated. • Shop for homeowners insurance.
• Appraisal report completed. • Finalize homeowners insurance and submit proof to your lender
• Respond quickly to any underwriter conditions. • Processor works to clear outstanding items.
• Final review by underwriter. • Loan status updated to "Clear to Close."
• Receive your Closing Disclosure. • Review all final numbers. • Arrange wire transfer or certified funds.
• Inspect the property to confirm it's in the agreed-upon condition.
• Sign final loan and title documents. • Pay any remaining closing costs. • Receive your keys and celebrate!