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Mortgage Process

The mortgage process for home buyers generally consists of the following steps:


The first step in the mortgage process is getting pre-approved for a loan. This involves submitting a loan application and providing documentation such as income, employment, and credit history. The lender will then review the information and provide a pre-approval letter indicating how much the borrower can borrow.


House Hunting:

With a pre-approval letter in hand, borrowers can begin looking for a home within their budget.


Purchase Agreement

Once a borrower has found a home they want to purchase, they will need to submit an offer, which will be reviewed by the seller. If the offer is accepted, the borrower will need to sign a purchase agreement.



The lender will order an appraisal of the property to ensure that the home is worth the amount of the loan being requested.



The lender will review the borrower's credit, income, and other information to determine if they qualify for the loan.



Once the underwriting process is complete, the borrower will need to provide any additional documentation required by the lender and close on the loan. Closing costs, such as appraisal fees, title fees, and closing costs, will need to be paid at this time.

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