1. Borrower Intake and Pre-Approval. This is where you and I discuss:

• how much you want to spend

• how much of a mortgage payment you will be comfortable with

• ​where your down payment money will be coming from

• your credit report to make sure it all looks good

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2. Gathering of your documentation:

• One month's pay stubs or other forms of income

• Two years of W2s and tax returns

• Two months' most recent bank statements

• Two months of statements for other accounts that will be used for funds to close

• Self-Employed:

  • Last two years of ​tax returns

  • Year-to-Date P&L

  • Balance Sheet

• copy of your driver's license

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3. Getting you Pre-Qualified:

• analyzing your documents to determine how much you can afford

• utilizing the Affordability Calculator so you can fully understand your Ability to Repay

• deciding on which loan program best suits your needs

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4. You go Home Shopping:

• I send a lender letter to your realtor

• We analyze the numbers for each property to make sure it fits within your budget

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5. You go under contract

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6. I submit your file into underwriting where it is approved with conditions. We gather the conditions that the underwriter asked for,

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7. You get the Home Inspection

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8. I order the appraisal once you have made it through the inspection process

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9. File is conditionally approved​

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10. Clear to Close!!! 

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11. Closing. Yeah!!!!!!!!!!!!!