Our process

How the Mortgage Process Works

Most of our clients go from pre-qualification to keys in 21–30 days. Here's what to expect at every stage.

The journey

From Apply to Keys in 5 Steps

Most clients close in 21–30 days. Here's the road.

Step 1

5-min pre-qualification, soft credit pull.

Step 2

Upload docs from your phone.

Step 3

Hunt with a real Loan Estimate in hand.

Step 4

We verify, appraise, and clear conditions.

Step 5

Sign, fund, and get the keys.

Step-by-step

1
Pre-qualification
5 minutes
Share basic info — income, assets, target price. Soft credit pull, no impact to your score. We send a Loan Estimate so you can shop with confidence.
2
Application & docs
1–3 days
Once you're under contract (or ready to refi), we collect W-2s, pay stubs, bank statements, and ID. Most clients upload everything from their phone.
3
Underwriting
5–10 days
Our underwriting team verifies income, assets, and credit. We order title and homeowners insurance. You'll get a clear list of any conditions to clear.
4
Appraisal & approval
7–14 days
An independent appraiser confirms the home's value. Once cleared, we issue your final approval — the Clear to Close.
5
Closing day
1 hour
You sign final documents, funds wire to the seller, and the keys are yours. We're with you every minute.