Step 1: Assess Your Goals & Get Pre-Approved

If you're buying a home, we’ll help you determine how much you can afford and get you pre-approved for a mortgage.
If you're refinancing, we’ll discuss your goals—lowering your rate, reducing your loan term, or cashing out equity—to find the best option.

Your Path to Homeownership or a Better Mortgage

Whether you're buying a new home or refinancing your current mortgage, we’re here to guide you through the process. Here’s how it works:

Step 2: Find the Right Realtor (For Homebuyers Only)

If you’re purchasing a home and don’t have a realtor, we can connect you with trusted professionals to help you find the perfect property.

Step 3: Find Your Home or Choose the Right Loan Option

Homebuyers: Start your house hunt with confidence, knowing your budget.
Refinancers: We’ll help you choose the best refinance option—whether it’s a lower rate, a shorter loan term, or cashing out equity.

Step 4: Submit Your Application & Loan Processing

Once you’ve chosen a home or refinance option, you’ll complete the mortgage application. Our team will verify your financial details, order an appraisal (if required), and prepare your file for approval.

Step 5: Underwriting & Loan Approval

An underwriter will review your documents to ensure all requirements are met. If anything additional is needed, our team will guide you through it.

Step 6: Closing & Finalizing Your Loan

For homebuyers, closing means getting the keys to your new home!
For refinancers, your new loan terms take effect, and if you're cashing out equity, you’ll receive your funds shortly after closing.

Whether you're buying your dream home or looking for better mortgage terms, we make the process simple and stress-free.

Let’s talk about your options today!