How to Get a Loan
Six steps from first conversation to closing day — and most of the work happens behind the scenes so you can focus on the home, not the paperwork.
A short conversation about your goals, timeline, and finances. We'll outline the loan programs that fit and pull a credit report so we can pre-approve you confidently.
Your pre-approval letter shows sellers you're a serious, qualified buyer. It makes your offers stronger and is often the difference between a yes and a counter.
With pre-approval in hand, work with your real estate agent to find the right home. We're available to weigh in on numbers, programs, or scenarios whenever questions come up.
Once you're under contract, finish the loan application and lock your interest rate. We'll order the appraisal and start working with underwriting on your behalf.
Our in-house underwriting team reviews your file, the appraisal, and title. We'll guide you through any follow-up documentation requests — they're routine, not red flags.
You'll sign at the title company or attorney's office, the loan funds, and the home is yours. Welcome home.
And there's no obligation — just answers.
Find a loan officer