Buying a home is a big step—and if you haven't gone through the loan process before, it can feel confusing fast. You'll hear terms like underwriting, appraisal, and closing disclosure, and it's not always clear what happens next. Here's a simple breakdown so you know exactly what to expect.
This is where everything starts. You'll complete a loan application and provide basic financial information. From there, we'll review your options and help you understand what you qualify for, your estimated payment, and cash needed to close.
With your pre-approval in hand, you'll work with your real estate agent to find the right home. Once your offer is accepted, the process officially begins.
Your file moves into processing. We verify documents, order the appraisal, and prepare everything for underwriting.
The underwriter reviews your income, credit, assets, and the property. You may receive a conditional approval first, followed by final approval.
The appraisal confirms the home's value. Any remaining conditions are cleared, and your loan moves toward closing.
You'll sign final documents, provide any remaining funds, and officially become the owner once everything is recorded.
Note: Your exact document list may vary depending on your situation.
Even small changes can impact your loan—when in doubt, ask first.
Most home purchases take about 30–45 days.
Sometimes—but it can create complications. Always check first.
Missing documents, appraisal issues, or financial changes are the most common reasons.
