Purchase Process:

1. You get pre-qualified for a home loan – now you know what price range to search in
2. Look for your new home with your REALTOR®
3. Your REALTOR® submits an offer on the house you want
4. Your offer is accepted by seller
5. Complete your Loan Application
6. We submit your loan application & supporting documentation to the lender
7. We order your title work & appraisal
   • The appraiser will schedule a time with the seller to complete the appraisal
   • We will call you and your REALTOR® with the appraisal results
8. We collect any additional conditions from you that are requested by the lender
9. Your file is sent to final underwriting
10. You’re notified that you have final loan approval
11. Your closing is scheduled by you and your REALTOR®
12. We collect any final closing or funding conditions from you and submit it to the lender
13. We review your Settlement Statement with you and your REALTOR®
14. You close on your new home – Congratulations!

Refinance Process:

1. Complete your Loan Application
2. We submit your loan application & supporting documentation to the lender
3. We order your title work & appraisal
   • The appraiser will schedule a time with you to complete the appraisal
   • We will call you with the results of the appraisal
4. We collect any additional conditions from you that are requested by the lender
5. Client returns conditions as soon as possible
6. Your file is sent to final underwriting
7. You’re notified that you have final loan approval
8. We call you to schedule your closing
9. We collect any final closing or funding conditions from you and submit it to the lender
10. We review your Settlement Statement with you
11. You close on your loan – Congratulations!