Most mortgages take about 30 days from contract to close. Here's exactly what happens at each step, what you need to do, and how long it really takes.
We talk through your situation, income, savings, timeline, goals, and recommend the loan program that fits. No application, no credit pull yet. Just a real conversation.
You upload documents through our secure portal. We pull credit, verify income and assets, and issue a real pre-approval letter, not a pre-qualification estimate. You can attach it to offers immediately.
You find a home and write an offer. We adjust the pre-approval letter to match the contract price and help you negotiate loan-related contingencies. The moment you're under contract, we start underwriting.
Underwriting reviews everything in detail. The lender orders an appraisal. Title runs a search on the property. You'll respond to a few conditions, usually things like updated pay stubs or a clarification letter, and then we issue a clear-to-close.
You sign the final documents at the title company. The loan funds. The keys get handed over. We close on time, every time, that's the job.
