Follow the Steps to Your New Home

<span style="font-size:4rem; color:#fff;">1</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Prequalify:</span>

1

Prequalify:

We prequalify you & review your credit report to ensure we are as accurate and helpful as possible

<span style="font-size:4rem; color:#fff;">2</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Pre-processing:</span>

2

Pre-processing:

Your mortgage originator requests all items from you and prepares files for mortgage loan preapproval

<span style="font-size:4rem; color:#fff;">3</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Find a home:</span>

3

Find a home:

Work with your Realtor to find your perfect home

<span style="font-size:4rem; color:#fff;">4</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Contract:</span>

4

Contract:

A signed sales contract between you and the seller is provided to the title company and our team

<span style="font-size:4rem; color:#fff;">5</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Application: </span>

5

Application:

Meet with your mortgage originator to complete and sign your loan application, initial disclosures and intent to proceed

<span style="font-size:4rem; color:#fff;">6</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Processing:</span>

6

Processing:

The processor receives and reviews documents. Appraisal, title, insurance, tax certificates and verifications are ordered. You need to order homeowners insurance.

<span style="font-size:4rem; color:#fff;">7</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Inspection:</span>

7

Inspection:

An inspector will inspect the property for structural, electrical and plumbing issues

<span style="font-size:4rem; color:#fff;">8</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Appraisal:</span>

8

Appraisal:

Once you've recieved your inspection report and have decided to move forward, our team will order an appraisal to determine the value of the home

<span style="font-size:4rem; color:#fff;">9</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Underwriting:</span>

9

Underwriting:

The processor turns in the completed file to review, to meet investor requirements. This usually takes 48-72 hours.

<span style="font-size:4rem; color:#fff;">10</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Conditional Approval:</span>

10

Conditional Approval:

The underwriter provides a list of closing conditions to us and the processor. We arrange for collection of closing conditions from all parties.

<span style="font-size:4rem; color:#fff;">11</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Loan approved!</span>

11

Loan approved!

<span style="font-size:4rem; color:#fff;">12</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;"> Closing Department: </span>

12

Closing Department:

The initial closing disclosure (CD) must be reviewed and received by the borrower at least 3 business days before signing

<span style="font-size:4rem; color:#fff;">13</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Documents sent to title:</span>

13

Documents sent to title:

Typically one day before signing

<span style="font-size:4rem; color:#fff;">14</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Final walk through: </span>

14

Final walk through:

Borrowers do a final walk through of the property to approve the home's condition prior to signing closing documents

<span style="font-size:4rem; color:#fff;">15</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Title Company:</span>

15

Title Company:

The title company compiles all paperwork and draws up documents to be signed by all parties

<span style="font-size:4rem; color:#fff;">16</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Closing: </span>

16

Closing:

Both you and the seller will be required to sign final documents and provide any outstanding documents requested by the closing team

<span style="font-size:4rem; color:#fff;">17</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Funding: </span>

17

Funding:

The title company requests funding and recording from the lender. Once that's complete, you take possession!

<span style="font-size:4rem; color:#fff;">18</span></br></br><span style="text-transform:uppercase !important; letter-spacing: 2px;">Get your keys!</span>

18

Get your keys!