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Homebuying Process


As you start your home search, getting a pre-approval can give you an edge in competitive markets where multiple offers are made for one home. This process validates your income, assets, and credit worthiness.

Submit the Offer

Once you’ve reached an agreement with the seller, have your lawyer or real estate agent review the contract. You may be required to make a good faith deposit of 1% to 10% of the purchase price into an escrow account. If the deal falls through due to a contingency clause, you will get those funds back.

Offer Acceptance

Congratulations! You are on your way to becoming a homeowner. It is important to ensure your loan application is complete and in a processing status. Providing requested documents in a timely manner is critical to ensure your loan closes on time. Our Mortgage Specialists will guide you through every step.

Home Inspection

Protect yourself from unknown expenses by scheduling a home inspection. If there are any major issues, you can ask the seller to rectify the problem or have the cost of the repairs deducted from the price of the home.

Loan Approval

Once your loan has been underwritten, you will receive an email notice with your conditional approval. You will receive a list of documents needed to move the loan to closing. Review this list carefully and supply the required items in a timely manner.


At least three days before closing, you’ll receive the paperwork from your lender. This documentation will include the final details and the terms of your mortgage. Your lender will also arrange for a notary to visit you to sign the final mortgage paperwork.

Homeowner - Congrats!

After you close escrow, you will take possession of your home! Enroll in auto-pay to make your monthly mortgage payments even easier.

Buying Your New Home

We're excited to join you as you look to purchase your new home! We have put together some of the crucial steps you will go through as you put in an offer and work toward closing on your home. Our expert Mortgage Specialists will help you explore your options and find solutions specific to your financial needs.

Ready to get started?

It's easy to apply, just answer some basic question about your personal finances and the home. Apply Now

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