NO hidden costs.
ZERO lender fees.
AWESOME RATES that home buyers love.

Get Pre-approved!

Our Approach

Initial Loan Interview

Complete application
Obtain items needed
We issue a Snap Buyer Pre-Approval or Underwriting Pre-Approval

Find Your Dream Home

Consult with your lender to confirm payment and approval
Negotiate an offer with the seller
Finalize purchase contract and the close of escrow date
Choose loan program and interest rate

Loan Process

Sign e-consent
Receive loan estimate and disclosures to be signed
Provide credit card for appraisal deposit
Appraisal is ordered
File submitted to underwriting
Receive conditional approval and remaining conditions needed
Provide final conditions requested within 24 hours
Receive final underwriting approval and clear quality control
Lender will issue the closing disclosure

Meet with Escrow and Sign Loan Documents

Obtain funds for closing: Lender to provide detailed instructions.


Lender will review funding package and clear any remaining conditions.
Loan funds and records
Get keys and celebrate as new homeowners!


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What You Can Expect

Affordability Analysis

What monthly payment do you want to make? We will help you select the right program and loan for you - and make sure that you’re able to qualify.

Credit Review

We will run a credit report for you and walk you through the results. Together, we will review your current payments and discuss any inconsistencies, items that need to be paid, or items you dispute.

Loan Application

We will gather employment and asset information from you - your full income details, as well as anything you own that has value. This helps us determine program eligibility. We can quickly pre-approve you for a loan that meets your needs.

What to Expect

Loan Estimate

We’ll disclose any costs associated with the purchase and determine how much cash you will need at the time of closing. We’ll discuss the use of seller credits - including what they are - and whether they can be used to pay some or all of your closing costs.

Outstanding Items

We will provide you with a list of items we still need to collect from you. We will review the appraisal process and potential value or repair issues.

Financial Stability Plan

We’ll supply you with a guide to mindful spending with tips for a stronger savings and financial plan.

Items Needed

Borrower(s) Information

  • Names as they are to appear on the deed
  • Social Security Number(s)
  • Drivers’ license(s) or other photo ID‘s
  • Home address(es) for the past 2 years


  • Paycheck stubs for the last 30 days• W-2’s and Personal Tax Returns for last 2 years
  • Employment information for the past 2 years
  • Social Security or retirement award letters
  • If self-employed or commissioned, personal and/or business tax returns

Assets/Bank Statements

  • Most recent 2 months statements from banks or other financial institutions
  • Source of any non-payroll deposits
  • Balances for each checking, savings, retirement and asset accounts
  • Fully executed gift letter and proof of transfer

Real Estate Owned

  • Property addresses for real estate you own
  • Mortgage loan statements for mortgages
  • Other insurance and HOA statements for all properties

Other Information

  • Copy of bankruptcy filing and discharge
  • Purchase property information with sales contract and addendums
  • Copy of divorce decree and proof of child support

Other Information

  • 12 months canceled rent checks or management company contact information
  • Certificate of Eligibility and DD214 for Veterans

Purchase Communication System

Our Commitment to You and the Realtors

  1. Welcome Buyer
    1. Call and email you to request all items needed and discuss expectations. Finalize loan program, pricing and timeline.
  2. Welcome Selling and Listing Agents
    1. Call and email both agents that we have started the process.
    2. Set expectations for communication and request any items needed.
    3. Advise that utilities need to be on for the appraisal and address any concerns about value or condition.
  3. Approval Received
    1. After advising you that we have received formal loan approval from underwriting, we will notify both agents, as well. We will notify you of any potential conditions that could affect the closing of the loan.
    2. Conditions are requested.
  4. Appraisal Received
    1. A copy of appraisal will be sent to you.
    2. Notification will be sent to the selling and listing agent that we have received and reviewed the appraisal.
    3. We will advise you if it meets the value required and if any repairs need to be made prior to closing.
  5. Final Approval
    1. After all of the conditions are received and terms are verified, we will issue the final loan approval.
  6. Closing Documents
    1. Issue closing disclosure - Review funds to close and sign.
    2. Advise all parties that loan documents have been sent and provide a date of the signing based off of the receipt of the closing disclosure.
    3. Advise all parties of any prior-to-funding conditions.
  7. Loan Funded
    1. Advise all parties that the loan has been funded.

Do's and Dont's When Buying a Home


Advise your lender if any information you’ve provided changes.

Keep records of all bank transactions, especially if you transfer large amounts from one account to the other.

Get homeowners insurance with coverage equal to the mortgage amount or  replacement value of your home.

Protect your credit score. You want to stay on top of any little changes.


Make any significant purchases during the mortgage process – including furniture.

Consolidate credit cards or get any new lines of credit. This can negatively affect your debt-to-income ratio.

Pay off collections or charge-offs. This can actually cause your credit score to drop.

Take on any new debt or cosign for another borrower. This could affect your credit. 

Buyer Expectations

Whether you are a first-time home buyer or you have purchased a home in the past, understanding today’s market is critical in determining your overall experience. Timelines have changed and it is important that you understand your role in the home loan process. We are a team and need to work together to achieve your dream of homeownership. Here are some tips to remember when applying for a home mortgage:

Be Honest
Provide Information ASAP
Always Ask Questions
Be Patient

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Financial Stability Plan

Spend and Save Mindfully

Use a working budget to ensure that you are paying your fixed expenses first and allocating enough for variable expenses. Identify ways you are spending money unconsciously and identify ways you can be more efficient.

Secure Your Family’s Well-Being

Maintain adequate life insurance coverage to continue current lifestyle if your family is ever left behind.

Build Future Wealth

Create a comprehensive long-term plan to invest and diversify your money. Consult a financial advisor about retirement and education planning to ensure your investments are strategically aligned for the future.


Reduce Your Debt

Pay off credit cards monthly or have a plan to do it over a specific period of time. Create a plan to pay off your mortgage and other installment loans early.

Preserve Your Estate

Have a will or a trust. Meet with an estate planner to determine if a trust or a will meets the needs of your family for both life and tax planning.



Our goal is assist in educating consumers on how mortgage finance may affect their general life’s financial plan. We are not a licensed Financial Planning firm. Please contact your financial advisor for further review.

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