The Home Loan Process
From Pre-Approval to Closing
If you haven’t experienced it before, the home loan process can feel overwhelming, but we will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Getting Pre-Approved
The home loan process begins with pre-approval. Before you start looking for a home to buy, it’s a good idea to meet with a lender to get pre-approved for a loan amount. This step helps you understand how much home you can afford and shows sellers you’re a serious, qualified buyer. A lender reviews your income, credit, assets, and debts to provide a clear picture of your purchasing power before you start shopping. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Loan Processing and Underwriting
Once you’re under contract, your loan moves into processing and underwriting. Your lender will help you complete a full mortgage application and walk you through fees and down payment options. During processing, documentation is reviewed and items like the appraisal and title work are ordered. The loan is then sent to an underwriter, who reviews everything to ensure it meets lending guidelines and compliance requirements. While this step can feel detailed, it’s where the groundwork is done to secure final approval and keep your purchase on track.
Closing
As your loan moves toward the finish line, you may be asked for additional documentation or clarification—this is completely normal. Once your loan is approved, you’ll set up homeowners insurance and your documents will be sent to the title company. At closing, you’ll sign the final paperwork, funds are transferred, and ownership of the home is officially recorded. Once complete, you receive the keys and can celebrate—congratulations, you’re officially a homeowner!
Let Us Connect You with a Loan Expert
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
