Your Path to Homeownership
I make the mortgage process transparent and stress-free. Here's the roadmap.
Pre-Qualification
I start with a quick conversation about your income, assets, debts, and goals. Based on this, I give you an estimate of how much you may qualify for — with no impact to your credit.
- Estimated income and debts
- Rough idea of savings/assets
- Your homebuying timeline
Formal Application & Pre-Approval
You complete a full loan application and provide documentation. I pull your credit report and verify your financials to issue a pre-approval letter — which shows sellers you're a serious buyer.
- W-2s and tax returns (last 2 years)
- Pay stubs (last 30 days)
- Bank statements (last 2–3 months)
- Photo ID
House Hunting & Offer
With your pre-approval in hand, you shop for homes with your real estate agent. When you find the right one, you make an offer. Once accepted, the purchase contract kicks off the formal loan process.
Processing & Underwriting
I submit your file to underwriting. The underwriter verifies all documentation, orders an appraisal on the property, and confirms the loan meets all guidelines. This is the most detail-intensive step.
- Respond quickly to document requests
- Don't make large purchases or open new credit
- Don't change jobs without telling me
Conditional Approval & Clear to Close
The underwriter issues an approval, often with conditions — additional documents or clarifications. Once all conditions are satisfied, you receive your "Clear to Close" — the final green light.
Closing Day
You review and sign all final loan documents, pay your closing costs and down payment, and receive the keys to your new home. Congratulations — you're a homeowner!
- Government-issued photo ID
- Cashier's check or wire transfer for closing costs
- Any final documents requested by underwriting