Every loan I close runs the same playbook: clear stages, clear hand‑offs, clear paperwork. Here's exactly what to expect, in order.
We'll talk through your goals, your timeline, and your comfort with monthly payment. You ask anything; I answer plainly. By the end you'll have a clear sense of your range and the next move.
We fill out the application together over the phone, or you do it online when it suits you. I'll review every field before submission so nothing slows you down later.
I pull credit, verify income, and issue a pre‑approval letter you can shop with. It's not a "pre‑qual"; it's an underwriter‑credible signal that wins offers.
As you tour and write offers, I'll rerun numbers on every property in 15 minutes, and update your letter for each offer's exact price so listing agents take you seriously.
Once you're in contract, we discuss locking your rate (or floating intentionally), submit a full file to underwriting within 24 hours, and order appraisal that same week.
An underwriter reviews every document. Most files come back with a few conditions, normal things like an updated paystub or a letter explaining a deposit. I'll handle most of them; you'll only see the ones that need your signature.
You'll get the Closing Disclosure at least three business days before signing. I'll walk you through every line, and we'll wire your closing funds the day before, no last‑minute scrambles.
Signing takes about an hour with the notary. Funding usually happens the same or next business day, and you get keys. Then we stay in touch: annual rate reviews, refi alerts, and any future deal you want a second opinion on.
Have these ready and we can pre‑approve you within 48 hours. Don't have something? Tell me, there's almost always a workable substitute.
I've collected the questions buyers and refinancers ask most. If yours isn't there, send it over and I'll add it.
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