Homebuyer Timeline

The first step is completing your application. Then will do a detailed review of your credit and application details, request supporting documentation, and get you pre-approved to purchase a home.  Now you can start shopping around! 

 Your real estate agent will play a key role in helping you find the perfect house. Send us any homes of interest to run numbers on based on that day's rates. Remember - Rates change daily! 

 When you find a home you love, work with your agent to negotiate and submit an offer. Once you have an accepted offer and a contract in hand let us know! 

 Having your home inspected will give you a total breakdown of the condition of your could-be-home. The good and the bad! 

 By locking your interest rate, we can guarantee that it won't change between the initial offer and closing date as long as we close on time and there are no changes to your application.  

Your file will be sent to processing for review. This is when you will provide any outstanding documentation, and an appraisal will be ordered. A home appraisal will provide an exact estimate of the value of the home you're purchasing. Our team will assist in setting up the appraisal. 

 Your loan will be submitted to Underwriting for review once we have most, if not all, items needed. Such as title work, appraisal, and other supporting documents. It's customary for the underwriter to request additional documentation or brief explanations before giving the final loan approval. 

 Once the underwriter has received all requested documentation, they will do a final review of your file and provide the "Clear to Close." Our team will help you coordinate closing date and time at this point!