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Three phases — and we guide you through all of them.

Most of the stress in a loan comes from not knowing what is next. Here is the whole path, what we handle, and what we need from you.

  1. Application & submission

    We start by getting to know you — your goals, your finances, and your timeline. We guide you through the loan application step-by-step and collect the documents we will need (income, assets, credit, and property details). Once everything is in place, we submit a complete file to the underwriter.

    You do

    Complete the application and send your documents.

    We do

    Review, organize, and submit a clean file to the underwriter.

  2. Processing & underwriting

    Now the loan is reviewed in detail. The underwriter verifies your documentation and evaluates the file against the loan program’s guidelines. They may request additional items — a “condition.” We explain exactly what is needed and why, and our processors handle the communication to clear conditions as quickly as possible. The appraisal and title work happen here too.

    You do

    Respond quickly to condition requests.

    We do

    Manage the appraisal and title, clear conditions, and keep everyone updated.

  3. Funding & closing

    Once your loan is fully approved, we prepare for the finish line. We confirm your closing date, walk you through your final numbers so there are no surprises, and coordinate with the title company. On closing day you sign the final documents — and get the keys or the cash you were waiting for.

    You do

    Review the final numbers, wire your funds, bring ID, and sign.

    We do

    Confirm the figures, coordinate closing, and follow up after.

Documents to gather now.

Having these ready makes the application quick and keeps underwriting from stalling later. Photos or PDFs are fine. Not every item applies to every loan — we will tell you which ones matter for yours.

  • Last 2 years of W-2s or 1099s
  • Most recent 2 pay stubs (30 days of income)
  • Last 2 months of statements for every bank and investment account
  • 2 years of federal tax returns — all pages and schedules
  • Photo ID for every borrower
  • If self-employed: year-to-date profit & loss and business returns
  • If it is an investment property: current or projected lease and rent roll
  • If it is a fix & flip or construction loan: scope of work / budget, and contractor info
  • If you own other property: mortgage statement, tax bill, insurance, and any lease

The things clients ask most.

Will applying hurt my credit?
A mortgage credit inquiry has a small, short-lived effect. Multiple mortgage inquiries within a 45-day window are treated as one for scoring purposes, so it is safe to compare lenders. Ask us about soft pull credit checks.
How much do I need for a down payment?
It depends entirely on the program and property. Owner-occupied conventional purchases can start around 3–5% down; investment and asset-based loans usually want more equity. We will model a few scenarios so you can see the trade-offs.
What are closing costs, roughly?
Typically 2–5% of the loan amount — lender fees, title, escrow, appraisal, taxes, and prepaid insurance. On many loans you receive a written Loan Estimate itemizing every dollar shortly after applying, and we review it with you line by line.
How fast can you close?
It varies by loan type. Tell us your loan scenario and date and we will tell you honestly whether it is realistic.
What could delay my loan?
The usual culprits: slow document turnaround, large unexplained deposits, changing jobs mid-process, opening new credit, third-party delays, or an appraisal that comes in low. We do our best to flag these early so they do not become surprises. Sometimes things happen that are out of our control.

Start with a conversation.

Fifteen minutes is usually enough to map out your options and your timeline.

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