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Our Process

From application to keys, a clear path.

No mystery, no surprises. Here is exactly what happens between your first click and closing day.

  1. Step 1

    Apply Online

    Complete our secure online application in about 15 minutes — anytime, anywhere.

  2. Step 2

    Pre-Qualification

    A loan officer reviews your file and we issue a written pre-qualification within 24 hours.

  3. Step 3

    Find Your Home / Loan

    Buying: shop confidently with a strong pre-approval. Refinancing: we lock the rate when you are ready.

  4. Step 4

    Processing & Underwriting

    We collect remaining documents, order appraisal and title, and submit to underwriting.

  5. Step 5

    Clear To Close

    Underwriting approves your loan. Final disclosures are sent at least three days before closing.

  6. Step 6

    Closing Day

    Sign with Heritage Title or your chosen settlement agent — and walk away with the keys (or your cash).

The process starts here

Begin your loan application in less than 15 minutes.