We start by gathering your basic information, financial details, and the type of loan you're looking for (purchase, refinance, investment, etc.). This can be done online, by phone, or in person.

Once we review your documents, we issue a pre-approval letter (if applicable). This gives you a clear idea of your budget and strengthens any offer you make on a home.

We'll present the best loan options based on your goals — whether that's the lowest payment, fastest payoff, or most cash out. Once you pick a loan, we can lock in your interest rate.

Our team will collect and verify supporting documents like income, assets, credit, and property info. If it's a refinance or cash-out, we'll also order an appraisal (if required).

A licensed underwriter will review your full file to ensure it meets all guidelines. They may request additional documents — we'll keep you updated every step of the way.

Once approved, we send your file to closing! You'll review and sign final documents and get ready to fund.