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The Loan Process

Mortgage steps, demystified.

Every loan moves through the same six checkpoints. Here is what happens at each.

  1. Step 1

    Apply Online

    Complete our secure online application — about 15 minutes.

  2. Step 2

    Pre-Qualification

    Loan officer reviews your file and issues 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

    Collect documents, order appraisal and title, submit to underwriting.

  5. Step 5

    Clear To Close

    Underwriting approves your loan. Final disclosures three days before closing.

  6. Step 6

    Closing Day

    Sign and walk away with the keys (or your cash-out check).

The process starts here

Begin your application in less than 15 minutes.