Your Mortgage Roadmap

• You'll complete a full mortgage application and provide supporting documents (income, assets, credit, etc.).
• I review your information in detail and perform a credit pull.
• Once complete, you'll receive a formal pre-qualification letter and a few purchase scenario options showing estimated monthly payments and total funds needed at different price points.
• This helps you and your agent shop confidently within a clear, informed range.

• I update your pre-qualification letter to match your offer price and communicate directly with your agent to help strengthen your offer.
• Once your offer is accepted, the purchase contract is finalized (congratulations, you're officially under contract!).

• After your offer is accepted, you'll receive your initial loan disclosures to e-sign.
• At this stage, you'll also pay the application deposit (by debit or credit card).
• Once the deposit is paid, your file officially moves into processing.
• Around this time, we'll also discuss locking in your interest rate and the final loan structure (loan term, program, and rate options).

• We typically wait until your home inspection is complete and all negotiations are finalized before ordering the appraisal. This ensures you're 100% ready to move forward with the home.
• Once you're fully committed, my team orders your appraisal, title report, and other third-party verifications.
• We ensure all your documents are complete and accurate before sending to underwriting.
• If any updated documentation is needed or if we need to collect anything not provided upfront for the formal underwriting review, we'll request it during this stage to keep things moving efficiently.

• An underwriter with years of experience in mortgage will review your income, assets, credit, and property to ensure everything meets lending guidelines.
• This stage typically results in a conditional approval, meaning your loan is approved pending a few final items.

• You'll work directly with my processor, who has extensive mortgage experience, to gather any items requested by underwriting.
• While those conditions are being addressed, we'll be waiting for the appraisal to come back.
• Once the appraisal is received and both title and appraisal reports are in, your file will be submitted for Final Underwriting Approval.

• The appraisal verifies the home's market value supports your purchase price and loan amount.
• The title company reviews ownership records and ensures there are no outstanding liens or issues.
• Both reports must be received, reviewed, and approved before your file can be submitted for Final Underwriting.

Closing Disclosure Timeline:

• You'll receive a Preliminary Closing Disclosure (Pre-CD) early in the process, typically 5 to 7 days before closing.
• This version fulfills the 3-day compliance requirement but usually mirrors your initial Loan Estimate.

• Once Final Underwriting issues the Clear to Close, our closing team and the title company's closer will begin balancing the final figures.
• You'll then receive the Final Closing Disclosure (Final CD), which includes your confirmed loan amount, closing costs, and exact cash to close.
• We aim to send the Final CD as far in advance as possible, though tight closing timelines sometimes mean you'll receive it 1 to 2 days before closing.
• The initial estimates I provide at the start are typically within $1,000 of your final cash-to-close amount.

Bringing in Your Funds:

• Cashier's Check: Made payable to the escrow or title company, delivered the day before closing.
• Wire Transfer: Sent to the escrow company. Wiring the day of closing is often acceptable, but confirm with your escrow officer first.
• Your loan funds from our company are wired to the escrow/title company the morning of closing.
• Once the escrow company has your funds and all signed documents, they'll record the deed with the county. That's when you officially become a homeowner!

• Once you're Clear to Close, your signing appointment will be scheduled.
• Signing takes place in person, either at the escrow company's office (or attorney's office, depending on state), or with a mobile notary coordinated by the escrow company if you're out of town.
• Some documents may be available for e-signing the morning of closing.
• After signing, funds are confirmed, the loan is recorded, and you officially receive your keys.
• I'll check in after closing to ensure your first payment setup and next steps are smooth.