01
Usually 1–3 business days (typical)
Get pre-approved
Tell us about your goals, income and savings. We review your credit and documents, then issue a pre-approval letter with a realistic price range.
What we’ll need
Photo ID and permission to check your credit
Recent pay stubs and W-2s or tax returns
Two months of bank statements
02
Same week (typical)
Compare your options
We compare programs and lender pricing side by side, so you can weigh monthly payment, cash to close and long-term cost before you choose.
What we’ll need
Your target price and down payment
Any gift funds or assistance you plan to use
Questions about programs you’ve heard about
03
When your offer is accepted (typical)
Make an offer and lock your rate
Once you’re under contract, you decide when to lock your rate. We send your Loan Estimate and order the appraisal.
What we’ll need
Signed purchase contract
Earnest money receipt
Homeowners insurance quote
04
About 2–4 weeks (typical)
Underwriting and appraisal
The lender verifies your file and the appraiser confirms the home’s value. We handle the back-and-forth and tell you exactly what’s needed.
What we’ll need
Updated pay stubs or statements if requested
Letters of explanation, if any
Quick replies to document requests
05
Closing day (typical)
Close and get your keys
You’ll receive your Closing Disclosure at least three business days before closing. Review it, sign the final paperwork and pick up your keys.
What we’ll need
Cash to close by wire or cashier’s check
Photo ID for signing
Wire instructions confirmed by phone
Before you start
A simple document checklist
Having these ready can shave days off your timeline. Don’t worry if something’s missing. We’ll tell you what matters for your loan.
Government-issued photo ID
Pay stubs covering the last 30 days
W-2s or 1099s for the last two years
Federal tax returns if self-employed
Two months of bank and investment statements
Gift letter, if family is helping with the down payment
FAQ