Getting Started

Buying a home is one of the biggest financial decisions you’ll make, and following the right process can help you avoid costly mistakes, reduce stress, and stay on track for a smooth closing.

While every transaction is unique, the home loan process follows three core stages: qualifying for a mortgage, house hunting, and completing the mortgage process. Whether you’re purchasing your first home or your next one, understanding these steps will help you move forward with confidence.

The refinance process follows the same mortgage process outlined above but does not include the house-hunting stage. Instead, the focus is on evaluating your current mortgage, reviewing refinance options, and determining whether refinancing supports your financial goals.

Step 1: Qualify for a Mortgage

The first step in determining how much home you can afford is obtaining a mortgage pre-approval. Your loan officer will look at your credit, income, and assets to provide an estimate of what you may be able to borrow for a mortgage.

It’s a crucial step before shopping for homes to see if it aligns with your budget. It also lets sellers and agents know you’re a serious buyer with the means to close if they accept your offer.

Contact your loan officer to start the pre-approval process and turn your homeownership dreams into a reality.

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Step 2: House Hunting

Once pre-approved, it’s time to find the perfect home! Working with an experienced real estate professional is highly recommended as they can help navigate the current market and negotiate on your behalf.

During this stage you’ll:

Tour homes and identify the right property
Submit and negotiate an offer
Schedule a home inspection
Secure homeowners insurance quotes
Fulfill any inspection or contract contingencies (if applicable)
Compare mortgage options and find the best fit for your situation

Once you have an accepted contract, you’ll move into the final stage of the process.

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Step 3: Complete the Mortgage Process

With your contract in hand, your loan moves into the processing and underwriting phases. The underwriting team will review your financial documents, verify your employment and assets, and order an appraisal to confirm the value of the home.

We’ll be working diligently behind the scenes to ensure a smooth closing, reaching out if any additional documentation is needed or when a milestone is completed to keep your loan on track for a timely closing.

Once your loan reaches ‘Clear to Close’ (final approval), you’ll sign your final closing documents, receive your keys, and officially become a homeowner!

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