Your Mortgage Process — Step by Step

Tell us your goal — buy, invest, or refinance. We review your situation, answer your questions, and explain what programs you may qualify for. No commitment, no hard credit pull.

• 30-minute call or WhatsApp chat
• Bilingual — English or Spanish
• No cost, no obligation

We pull a soft credit check and collect basic income, asset, and property information. You get a pre-qualification letter showing sellers you are a serious buyer.

• Soft pull — no impact to your credit
• Know your max purchase price
• Letter ready in 24 hours or less

We submit your profile to 20+ wholesale lenders and compare rates, fees, and terms side-by-side. You see exactly what each lender offers — no hidden markups.

• 20+ lenders competing for your loan
• Wholesale rates — not retail bank rates
• Loan Estimate provided for each option

Once you select your lender and program, we submit the full application and collect documents: pay stubs, W-2s, bank statements, tax returns (if applicable), and ID.

• Secure online document upload
• Checklist provided upfront
• We review everything before submission

The lender verifies your documents and orders an appraisal to confirm the property value. We stay in constant communication — no black holes, no guessing.

• Appraisal ordered within 3–5 days
• We answer underwriting conditions fast
• Status updates throughout the process

Underwriting issues a "Clear to Close" — your loan is approved. You receive the final Closing Disclosure at least 3 business days before closing with your exact numbers.

• Final numbers locked in 3 days before close
• Review your Closing Disclosure carefully
• Wire or cashier check for closing costs

Sign your documents, hand over the down payment, and receive the keys. Congratulations — you own your home. We stay in touch for future refinancing or investment needs.

• 1–2 hours signing at title company
• We are available the same day for questions
• Post-close support for future goals