Loan process
Most purchases close 30 to 45 days after the contract is signed. Here's what happens in that time.
1. Pre-application and pre-approval
We collect basic information, review income documents and, with your permission, pull credit. You get a pre-approval letter matched to a program and price range.
2. Contract and Loan Estimate
Once you have a signed contract, we submit the application. Within three business days you receive a Loan Estimate showing the rate, payment and costs.
3. Appraisal and title
The lender orders the appraisal and the title company searches the property's history. You receive a copy of the appraisal before closing.
4. Underwriting
The underwriter verifies everything and issues conditions: an updated pay stub, a letter explaining a deposit, a signed tax return. We handle these with you as they come in, then the file is cleared to close.
5. Closing
You receive the Closing Disclosure at least three business days before you sign. We compare it with your Loan Estimate line by line. Then you sign at the title company and get the keys.
Reviewed by Mustafa Temiz, CPA, NMLS #2450795 · Updated November 2026
Talk to someone who reads tax returns for a living
A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.