Your Mortgage Journey
From First Call to Front Door — Here's Exactly What to Expect
The mortgage process doesn't have to be a mystery. Here's a clear, honest look at every step — so you always know what's happening and what's coming next.
Best for: first-time buyers who want to know exactly what to expect, step by step
The 6 Steps to Your New Home
Every mortgage journey is unique, but here's the road most clients travel. I'll be with you the whole way.
Free Consultation
We start with a conversation — not an application. I'll learn about your goals, your timeline, and your financial picture. Then I'll walk you through your options so you know exactly what's possible. No pressure, no obligation.
What you'll need
- Nothing! Just bring your questions. This is a casual conversation to see if we're a good fit.
Pro Tip
"You don't need to have everything figured out before we talk. That's literally what I'm here for." — Matt
Pre-Approval
Once you're ready to move forward, I'll collect some basic documents, run a soft credit check, and shop your profile across 150+ lenders to find the best options. You'll get a pre-approval letter — which tells sellers and agents you're serious and ready.
What you'll need
- Government-issued photo ID
- Last 2 years of W-2s (or tax returns if self-employed)
- Most recent 2 pay stubs
- Last 2 months of bank statements (all pages)
- Social Security number for credit check
Pro Tip
"A strong pre-approval letter can be the difference between winning and losing a competitive offer. I make sure yours carries weight." — Matt
House Hunting & Offer
With your pre-approval in hand, you'll work with your real estate agent to find the right home and make an offer. I'll stay in the loop to review any financing contingencies and make sure your offer is structured to win.
What you'll need
- Signed purchase agreement (your agent handles this)
- Earnest money deposit details
Pro Tip
"Before you make an offer, send it my way. I'll double-check the financing terms so there are no surprises later." — Matt
Loan Processing & Underwriting
This is where the behind-the-scenes work happens. I'll submit your file to the lender, order the appraisal, and coordinate with the title company. The underwriter reviews everything to make sure the loan meets guidelines. I keep you updated every step of the way — no radio silence.
What you'll need
- Homeowner's insurance quote
- Any additional documents the underwriter requests (I'll tell you exactly what and why)
Pro Tip
"The #1 rule during underwriting: don't make any big financial moves. No new credit cards, no large deposits, no job changes. When in doubt, call me first." — Matt
Clear to Close
Once the underwriter signs off, you'll receive your Closing Disclosure — a final breakdown of your loan terms, monthly payment, and closing costs. You'll have at least 3 days to review it before signing. I'll walk through every line with you so nothing is a surprise.
What you'll need
- Review and acknowledge the Closing Disclosure
- Wire transfer or cashier's check for closing funds
- Government-issued photo ID for signing day
Pro Tip
"I review your Closing Disclosure before you do. If anything looks off, I catch it first." — Matt
Closing Day & Beyond
Signing day. You'll meet at the title company (or close remotely in some cases), sign the final paperwork, and get the keys to your new home. But this isn't where our relationship ends — I'm here for future refinances, equity strategies, and any mortgage questions that come up down the road.
What you'll need
- Photo ID
- Closing funds (wire or cashier's check — I'll confirm the exact amount)
- A pen and maybe a hand stretch — there's a lot of signing!
Pro Tip
"After closing, I'll check in periodically to make sure your mortgage still makes sense. Rates drop? Equity builds? I'll let you know when it's time to make a move." — Matt
Your Timeline at a Glance
Most loans close in 21–30 days from accepted offer. Some can close faster depending on the loan type.
Want the Full Checklist?
Download a printable checklist of everything you'll need at each stage — so you're never caught off guard.
Download Pre-Approval ChecklistReady to Get Started?
Take a 2-minute quiz and I'll personally review your options. No pressure, no obligation — just honest guidance.