Buying a home and obtaining a mortgage can be a lengthy process, but there's no reason to get overwhelmed. We strive to make our loan process as easy and stress-free as possible.
We'll work closely with you to obtain all documentation within 7 days of the date of your application, ensure that it's complete and accurate, and submit it to loan processing for review.
A loan processor will review your documentation within 24 hours and complete that review within 2 days of receipt. The processor will then submit your loan to underwriting.
Your loan will be assigned to an underwriter who will complete an initial review within 24 hours. If any conditions are required, your loan will be sent back to the processor to clear them and prepare for closing, all within 7 days of the underwriter's initial review. Once complete, the loan will be sent back to underwriting for final review and approval.
The underwriter will issue a clear to close (CTC) and assign the loan back to the processor who will inform all parties of the CTC, verify the closing date and time, and place the loan in the closing queue. The closer will have 24 hours to provide closing documentation to the settlement agent.
You'll attend the closing with your agent and sign all remaining documentation.
