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Buying Your Home

Getting a loan all the way to funding, requires a team effort –including you!

Your help is key to a successful transaction and to ensure a stress free experience, we created this reference guide to help throughout the loan process.

Reference Guide

  • 01

    Loan Application

    Complete your loan application with your loan originator and provide standard income and asset documentation. You are on your way!

  • 02

    Disclosure Team

    Your loan application is now ready for the next step. The disclosure team will be sending you a package that will contain required federal and state documents that need to be signed and dated. You can conduct this function by simply e-signing the documents through our secure loan center.

  • 03

    Processing

    Our seasoned group of processors will prepare your loan file for submission ro underwriting. They will contact you should they require additional documentation and will order your appraisal.

  • 04

    Underwriting

    At this stage in the loan process, one of our highly qualified underwriters will analyze your credit, income and assets.

  • 05

    Conditional Loan Approval

    After After the underwriter reviews your loan they may request additional items. This is nothing to be alarmed about and very common. Your processor will coordinate any additional requests with you and any third party vendors.

  • 06

    Final Loan Approval

    Once all of the items have been collected by the processing team, your loan will be returned to the underwriter and they will issue the final loan approval. You are on your way to closing now!

  • 07

    Closing

    The closing department will be responsible for sending your final loan documents to the title or escrow company. The title or escrow company will assist in arranging the time, date and place for all parties involved the transaction to sign.

  • 08

    Funding – Congratulations!

    You are almost there. The funding team will review your executed loan documents and release the loan proceeds!

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