Our Process
Six steps. One team. Zero guesswork.
Here's exactly what happens between 'I want a house' and keys in your hand.
01
24–48 hrs
Pre-Qualification
Soft credit pull. We confirm what you can afford and issue a pre-qual letter for offers.
- No commitment
- No hard credit inquiry
- Loan options compared
- Letter ready for offers
02
Your timeline
Home Search
Shop with confidence, your numbers are locked and your realtor knows you're real.
- Pre-qual letter in hand
- Realtor coordination
- Offer strategy support
- Live rate updates
03
1–2 days
Full Application
We collect docs through our secure portal and submit your full file.
- Secure document portal
- Income & asset review
- Rate lock decision
- Disclosures signed
04
1–3 weeks
Processing & Underwriting
We run point, appraisal, title, conditions, and keep you updated weekly.
- Appraisal ordered
- Title work pulled
- Conditions cleared
- Weekly status updates
05
3–5 days
Clear to Close
All conditions met. Final docs prepared. Closing scheduled.
- Closing disclosure issued
- Wiring instructions confirmed
- Final walk-through coordinated
- Cash to close finalized
06
1–2 hours
Closing Day
Sign, fund, and get the keys. We're with you start to finish.
- In-person or remote
- Notary coordination
- Funds disbursed
- Keys in your hand