Process
From first call to keys in hand.
The honest timeline. Most loans close in 28-32 days. Here's what happens at every step, and how to keep things on track.
- Day 0Step 1 of 7
15-minute discovery call
A licensed advisor learns your goals — purchase, refi, or equity. No credit pull, no commitment.
- Day 1Step 2 of 7
Soft credit & rate quote
Soft pull only — no impact on your score. You get a real rate quote based on actual credit, not a teaser.
- Day 2-5Step 3 of 7
Application & documents
Complete the secure online application. Upload W-2s, pay stubs, and bank statements. Save and resume anytime.
- Day 5-10Step 4 of 7
Pre-approval letter
Hard credit pull, full document review, and we issue a written pre-approval letter you can show sellers.
- Day 10-25Step 5 of 7
Underwriting
Appraisal ordered, title work, insurance binder, final income verification. Most underwriting completes in 14-21 days.
- Day 25-28Step 6 of 7
Clear to close
All conditions cleared. We schedule closing, send wire instructions, and issue the final Closing Disclosure.
- Day 30Step 7 of 7
Closing day
Sign the documents, wire the funds. On a purchase, you walk out with keys. On a refi, the new loan funds in 3 days.
Ready to start at Day 0?
Free 15-minute call, no credit pull required.