Day 0 — Discovery call
15-minute call to understand goals, timeline, and current situation. No pull, no obligation.
Days 1–3 — Application & pre-approval
Full application through our secure portal. Credit pulled. Income and assets reviewed. Written pre-approval issued.
Contract phase
Once you're under contract, we lock the rate (or discuss timing), order the appraisal, and open the title file.
Underwriting
Full file review by an underwriter. Conditions are issued and cleared. This is where communication matters most — you'll always know what's outstanding.
Clear to close & closing
Final Closing Disclosure delivered at least 3 business days before signing. Wire funds. Sign. Receive keys.