Here's what actually happens between the moment you reach out and the day you get the keys — or the funds, if it's a refinance or investment deal.
Every loan moves through the same basic stages — the details just depend on the program and the property.
No application yet — just a conversation about what you're trying to do, your timeline, and the property (or the kind of property you're looking for). This is where we figure out which direction makes sense.
Income, assets, and credit get reviewed so we know — not just that you're likely to qualify, but that you can actually close. That's what goes into your pre-approval letter, so you can shop with real confidence instead of a rough guess.
Once there's a property under contract (or a refinance goal set), your loan gets matched to the right program across our network of investors — conventional, FHA, VA, USDA, DSCR, and more.
Documentation gets collected and submitted to processing — this is where our team (including our processor) makes sure everything is complete before it goes to underwriting.
An underwriter reviews the full picture and may come back with conditions — extra documents or clarifications needed before final approval. We handle the back-and-forth so you're not left guessing.
You've had a good idea of your cash to close since pre-approval, and it gets refined further once we submit to processing. Once every condition is cleared, the lender issues final approval and a closing disclosure that locks in those numbers.
You sign the closing documents — in person or remotely, depending on the title company — funds are disbursed, and the loan officially closes.
Note: Timeframes above are typical ranges, not guarantees — actual timing depends on the lender, the program, how quickly documents come together, and the property itself. We'll keep you posted at every stage.
No pressure, no obligation — just a conversation about what you're trying to do and whether now's the right time.