Step 1: Pre-Qualification

We begin by analyzing your income and debts to determine the approximate loan amount for which you qualify. This step gives you a clear idea of your budget as you start your home search.

Step 2: Locate Your Dream Home

Work with your real estate agent to locate and select your dream home. Once you’ve found it, your agent will submit an offer on your behalf. This step brings you one step closer to homeownership.

Step 3: Processing

In this step, our dedicated processing team collects necessary documentation, orders title and appraisal, verifies employment, and requests any additional documents needed to prepare your file for underwriting.

Step 4: Underwriting

Our underwriting team will review your income, credit file, and property appraisal to assess your ability to repay the loan. This thorough review ensures that your loan is tailored to your financial situation.

Step 5: Closing

This crucial step involves signing the legal documents necessary to transfer ownership of the property. We’ll be by your side to answer any questions and ensure a smooth process.

Step 6: Funding

After closing, we will release the mortgage funds to the title company. This final financial step sets the stage for the last stage of the journey.

Step 7: Possession

The keys are now in your hand, and it’s time to move into your dream home. Congratulations on reaching the final stage of your home buying journey!