Step 1
The Warm-Up — Get Pre-Approved
Why It Matters: A mortgage pre-approval helps you understand how much you can afford.
What You Need: Income proof, credit history, employment details, and debt information.
Timeframe: 1–3 days
Step 2
Start Training — House Hunting & Making an Offer
Find the Right Home: Work with a realtor and explore listings within your budget.
Submit an Offer: Your real estate agent will help negotiate and finalize an offer.
Timeframe: Varies based on the market.
Step 3
Fuel Up — Mortgage Application Submission
What’s Next: Submit a formal mortgage application once your offer is accepted.
Documents Required: Pay stubs, tax returns, employment verification, property details.
Timeframe: 3–7 days
Step 4
Core Work — Mortgage Processing & Underwriting
What Happens: The lender reviews your application, verifies documents, and evaluates your financial profile.
Why It Matters: This step determines your loan approval.
Timeframe: 5–10 days
Step 5
The Health Check — Home Appraisal & Inspection
Why It’s Important: Confirms home value and checks for issues.
What Happens: Appraiser evaluates value; inspector checks condition.
Timeframe: 5–10 days
Step 6
The Flex — Loan Approval & Commitment Letter
What Happens: Receive a formal commitment letter.
Why It Matters: Confirms the lender will fund your mortgage.
Timeframe: 2–5 days
The Reveal — Step 7
Closing Day (Final Step!)
What to Expect: Sign documents, pay closing costs, and get your keys.
Timeframe: 1 day
