The Mortgage Process. SIMPLIFIED.

Mortgage FAQs

Submission Prep

Our team will be requesting documents from you.

Your loan team will request supporting documents to prepare your file for the bank’s initial review.

Submitted to Underwriting

Your application and documents are submitted for review by the bank.

Your application & documents have been submitted to the bank and is under formal review by an underwriter.

Loan Approved

Your mortgage has been approved by the bank. 

The bank has issued a mortgage commitment, meaning your loan is approved subject to standard conditions.

Satisfying Conditions

Our team will work to satisfy conditions and may need additional documents from you.

We’ll collect the remaining items needed to satisfy the bank’s approval conditions.

Final Review

All conditions have been submitted to the bank for final review.

The bank is completing final verifications and reviews to determine if the loan is eligible for Clear to Close.

Cleared to Close

Your loan is fully approved and ready to fund. 

Your loan has received final approval from the bank and is ready to fund. Closing can now be scheduled with your attorney or title company.

Appraisal Report

The appraisal provides an independent, third-party opinion of the home’s value for the lender. Our loan team will order the appraisal on your behalf, coordinate access with the agent, and review the results once it’s completed.

Title Report

The title report verifies legal ownership of the property and ensures there are no liens or issues that could affect your ownership. Your attorney or title company orders the title search and works to clear any issues prior to closing.

Homeowners Insurance

Homeowners insurance protects the home against loss and is required to close. You are responsible for shopping for and selecting your insurance policy, and we’ll coordinate with your agent to collect what the bank needs. If you’d like a local recommendation, we can introduce you to trusted insurance partners.

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