The mortgage loan application process doesn’t have to be confusing or overwhelming. We’ve broken it down into four simple steps so you know exactly what to expect at every stage.
From applying to signing, our process is designed to be fast, secure, and stress-free—whether you’re a first-time buyer or refinancing your home.
Applying is easy and takes about 10 minutes. Simply click “Apply Now” and enter basic information about your income, assets, and the property (if you already have one) to start the mortgage loan application process. You’ll be asked to provide details about your employment history for the past two years, as well as where you have lived and what you paid to live there. If you prefer, you can always call and speak to a live person — we’ll ask these same questions and enter the information into the system for you.
Next, we’ll review all your information to quickly determine if you are pre-approved during the mortgage loan application process. We take a close look at your income and work history, applying our experience to anticipate what the underwriter will likely accept. This helps build your file so you won’t face any surprises before closing. At this stage, you’ll be able to compare different loan programs, rates, and terms. We may suggest alternative loan options that might work better for you, but the choice is always yours. Our goal is to help you fully understand your options.
Once we have you pre-approved, we will provide a list of documentation needed, such as bank statements, W-2s, and more. This is all part of the mortgage loan application process, where we build a solid file that tells a clear and concise story for the underwriter. We may ask about anything unusual in your credit report, income history, or other items appearing on your credit. Sometimes, we’ll request additional documentation or help you prepare a letter of explanation for the underwriter. To protect your privacy and secure your personal information, we recommend submitting your documents through our secure portal or bringing paper copies to our office.
Once we have all of your documentation, we will get the appraisal completed and submit your file for underwriting. This part of the mortgage loan application process usually takes about 23 days on average after you sign the loan estimate. Sometimes, the underwriter will approve your file but still require specific conditions to be met. These are simply items needing further clarification before a final clear to close can be issued. We do our best to anticipate these conditions upfront, but usually, there are at least one or two items to address. (Depending on the loan program, this process may take a little longer.) Once all conditions are cleared, you will be officially cleared to close, and we will schedule a time to see you at the closing table.
Navigating the mortgage loan application process doesn’t have to be overwhelming. By following these four simple steps—applying, getting pre-approved, submitting your documentation, and closing—you’ll have a clear path toward owning your new home.
Our team is here to guide you at every stage, answering your questions and making sure you understand your options. We focus on building a transparent and stress-free experience so you can feel confident throughout the process.
Whether you’re a first-time homebuyer or refinancing, this streamlined mortgage loan application process is designed to save you time and reduce surprises.
If you need help or want to talk through any part of your loan, don’t hesitate to reach out. We’re committed to making your mortgage journey as smooth and straightforward as possible.
You can also check out What do I have to do to apply for a mortgage loan on the Consumer Financial Protection Bureau website.
