Your very first step — even before you start looking for a home — is to get pre-approved for a mortgage. To determine whether you’re preapproved, we will review your financial information, such as your income and your debts, and run a credit check.

Keep in mind that getting

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Most of this application process was completed during the pre-approval stage. But a few additional documents will now be needed to get a loan file through underwriting.

For example, your lender will need the fully executed Purchase Agreement, as well as proof of your earnest money deposit.

Your lender may

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Inspection: As you work through the mortgage process, you may also order a home inspection. A thorough home inspection gives you important details about the home beyond what you may be able to see on the surface.

Appraisal: We will also arrange for an appraiser to provide an independent estimate

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Once your full loan application has been submitted, the mortgage processing stage begins. For you, the buyer, this is mostly a waiting period.
We prepare your file for underwriting. At this time, all necessary credit reports are ordered, as well as your title search and tax transcripts.
The information

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