No hassle, no obligation. Here's exactly how your digital mortgage moves from first conversation to closing day.
The first step is determining how much you can borrow. By answering a few simple questions, we calculate your buying power based on standard lender guidelines. You may also get pre-approved, which verifies your income, credit, assets and liabilities, so you can shop with confidence.
Home loans come in many shapes and sizes. Deciding which makes the most sense for your situation means understanding the benefits of each. A fixed-rate mortgage offers a stable payment for the life of the loan, while an adjustable-rate mortgage can start lower and shift with the market.
Once you've chosen a direction, we complete your application together. You can use our secure online forms to expedite the process, and we'll request the documentation needed to move into underwriting.
Once your application is received, we start the approval process immediately. Your loan processor verifies all of your information, and if any discrepancies arise, your loan officer troubleshoots to resolve them. To keep things moving: respond promptly to requests, avoid large purchases, and document any deposits.
After approval, you're ready to sign final documents. Review them to confirm the rate and terms match what you were promised, then sign in front of a notary. Bring a cashier's check for any down payment and closing costs. On owner-occupied refinances, federal law gives you 3 days to review before the loan closes.
Find out how much you can borrow in about three minutes, with no impact to your credit.