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Step 1
Application
Whether you're refinancing, purchasing, seeking pre-approval, or have already bought a property, all applications are processed through our secure loan origination system, Arive™. This user-friendly portal allows you to create an account, provide loan details, and easily upload documents. If you'd prefer to complete the application in person or over the phone, we're happy to assist however and wherever you're most comfortable.
The benefit of working with a Mortgage Broker is that you don’t need to know the exact mortgage program or loan details upfront. Based on your application, we’ll identify the best options available to achieve your goals.
Rest assured, completing an application doesn't obligate you to anything financially. All costs and fees associated with the mortgage will be clearly outlined in the Official Loan Estimate as we move forward in the process. Whether you prefer a fully automated process or a highly personalized experience, our system is designed to cater to your preferences, ensuring clarity and support every step of the way.
Step 2
Documentation
Based on the information in your application, the portal will automatically generate a list of required documents that you can start uploading at any time. However, since each application is unique, the initial list may not be fully accurate until we've reviewed it. If additional documents are needed, you will receive an email notification from the portal outlining what's required. To get a head start, you can find the general list of required documentation [here].
Step 3
Pre-Approval
Once you complete the application, our state-of-the-art loan origination system, Arive™, organizes it into a comprehensive digital file. This allows us to efficiently compare financing options across numerous Wholesale Mortgage Lenders to find the best solution for your needs.
As part of the Pre-Approval process, we’ll also conduct a detailed review of your finances and credit to identify any potential areas for improvement ahead of your Final Application. Additionally, we’ll run various loan scenarios to determine the optimal structure for your financing. Depending on the circumstances, the Pre-Approval process can take anywhere from 30 minutes to several hours. For purchase Pre-Approvals, we’ll provide you with a Pre-Approval Letter upon completion, which can be shared with your Realtor. For more information on Pre-Approvals visit our Insights article [here].
Step 4
Pre-Approval Review
During our Pre-Approval Review meeting, we’ll evaluate your options together to identify the best path forward. We’ll present different loan types, scenarios, interest rates, and estimated closing costs, guiding you toward the option that aligns best with your goals.
This meeting can be conducted in person by appointment, via video conference, over the phone, or through email, whichever method is most convenient for you. Video conferencing is often the optimal choice, as it allows us to visualize the various financial considerations, qualification factors and other important aspects of the loan. We will send you a link where you can book a meeting with with our team at your convenience. This ensures you can choose the method and time that works best for you, with the guidance of a licensed loan professional every step of the way.
For purchases, if you’re actively searching for a home, we’ll equip you with tools to quickly assess the financial impact of various sales prices. Our team will collaborate closely with you and your Realtor to ensure you’re submitting a competitive offer while staying comfortably within your budget. Following the meeting, you’ll receive a certified Pre-Approval Letter to share with your Realtor and include in any offers.
Step 5
Loan Estimate
A Loan Estimate is a government mandated document required for mortgages and is designed to protect consumers by providing an up-front estimate of all costs, fees and important details of a mortgage loan. We will go over each section together so you’re fully comfortable moving forward. Most of what you'll see in the Loan Estimate will have already been discussed in Step 4.
Step 6:
Final Application
Once you’ve reviewed the Loan Estimate and decide to move forward, you will sign the initial disclosures package and your loan will be submitted.
NEXT STEPS
Once you've submitted the Final Application, we will focus on the remaining steps required before Closing.
Step 7
Underwriting
Underwriting will closely analyze income, credit, title, appraisals, insurance, and assets to make the final determination of whether to approve the mortgage. Much of this review will have already been completed during the Pre-Approval process, ensuring a smoother and more efficient underwriting experience. We will work closely with you every step of the way to address all underwriting requirements and ensure your loan closes both smoothly and ahead of schedule.
Step 8
Closing Disclosure (CD)
The Closing Disclosure (CD) is a five-page document that provides the final details about the loan. You will be required to acknowledge receipt and E-Sign the CD disclosures at least three business days prior to the Closing date. This three-day window is mandated under federal law so you have time to compare your final terms and costs to those in the Loan Estimate that you previously received.
Step 9:
Closing
The Closing will take place at the Title Company you selected and consists of signing numerous financial and legal documents related to both the property and loan. The Title Agent will walk you through each of them in detail and answer questions as needed. Many of the documents will be familiar since we will have already gone over them throughout the process. Following the Closing, the house is yours!