What are the steps in the mortgage process?

Each individual mortgage process is unique but generally, the following steps apply:

  1. Initial conversation with me to discuss your situation
  2. Fill out my online application
  3. Send initial documents for review
  4. Follow-up conversation to discuss your options and the next steps
  5. Submission of your application to a lender
  6. Sign the commitment letter and submit additional documents we near final lender approval and complete the normal underwriting process
  7. Meet with a real estate lawyer to sign the final papers
  8. Close your new mortgage (and get the keys to your new home)