Your Mortgage Process — Step by Step
Buying a home or refinancing doesn't have to be stressful. We guide you through every step with clarity and no surprises.
Free Consultation
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
Pre-Qualification
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
Lender Shopping
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
Full Application & Documents
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
Underwriting & Appraisal
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
Clear to Close
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
Closing Day
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
Common questions
How long does the mortgage process take?
Most purchases close in 30–45 days. FHA Streamline and VA IRRRL can close in as few as 21 days. Fix & Flip loans can close in 7–14 business days.
What documents do I need?
For standard loans: last 2 pay stubs, last 2 years W-2s, last 2 months bank statements, and a government-issued ID. Self-employed borrowers use 12–24 months of bank statements instead of tax returns.
Does the pre-qualification hurt my credit?
No. Pre-qualification uses a soft pull, which does not affect your score. A hard pull only happens when we submit the full loan application to the lender you choose.
How much does it cost to work with you?
Our consultation is 100% free. We are compensated by the lender when your loan closes — you never pay our brokerage fee out of pocket.