Each individual mortgage process is unique but generally, the following steps apply:
- Initial conversation with me to discuss your situation
- Fill out my online application
- Send initial documents for review
- Follow-up conversation to discuss your options and the next steps
- Submission of your application to a lender
- Sign the commitment letter and submit additional documents we near final lender approval and complete the normal underwriting process
- Meet with a real estate lawyer to sign the final papers
- Close your new mortgage (and get the keys to your new home)