What are the steps when buying a new home?

  • Start
  • Pre-Approved
  • Make Offers
  • Lock Rate
  • Close!
STEP 1

Deciding to Buy a Home!

Congrats! You’ve made the decision to buy a new place! First, fill out our online loan application and connect with one of our Mortgage Advisors, who will:

  • Discuss your goals and answer ALL of your mortgage questions
  • Walk you through the home buying process​
  • Provide you with​ valuable info on market conditions, monthly payments, loan options, down payment, cash to close, and more!
  • Provide you with a secure online portal to gather documentation for an upfront approval guarantee!
STEP 2

Get Approved

We will review your loan application and supporting documentation in order to:

  • Provide cash to close, rate and payment information to make sure you’re comfortable with everything.
  • Our underwriter will make sure you’re 100% qualified​ with no outstanding issues, to avoid any surprises once you are in contract.
  • Issue our Upfront Approval Guarantee letter – so you can start your home search with confidence!
STEP 3

Make Offers

You’ll shop for homes with your Real Estate Agent, who will help you:

  • Search for the home of your dreams and decide on the best price to offer.
  • Get your offer accepted!​
  • Schedule inspection, provide the earnest money deposit, and begin moving preparations.
STEP 4

Lock In Your Interest Rate

Your Real Estate Agent sends us your signed purchase contract and we:

  • Review and update your loan file with the underwriter.
  • Shop over 22 lenders for the best rate and costs and lock your loan in to avoid rates increasing.
  • Order the property appraisal.
  • Email your disclosures for e-signatures.
STEP 5

Close On Your Home

As soon as your disclosures are e-signed, you’ll be introduced to your Closing Coordinator who will:

  • Submit loan for final approval with underwriting.
  • Order your final loan documents and schedule your closing.
  • Ensure your loan funds and escrow closes on time!

Congratulations! You’re a homeowner!

Next Step