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Loan Process

The Loan Approval Process

How does the loan process work?


Prequalification is the term used to determines how much of a loan you can afford. This may be performed by a Loan Officer or consultant.  Prequalifying for a loan usually takes less than 5 minutes.

Loan Application

A loan officer will have the borrower complete a loan application providing information for earnings, assets and expenses. Income and asset documents to show proof of the information, provided by borrower, will be required by the lender.


Processing a loan is reviewing, gathering and requesting documents, from the borrower, that are required by the lender to obtain a home loan approval.  Once the documents are reviewed and complete, the documents are submitted to the underwriter.


Underwriter reviews all the documentation submitted to determine if they will lend money. Their decision is based on the value of the property, credit, capacity and collateral.

Loan Approval

Loan approval generally takes anywhere from 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.

Signing Documents

Within 1 to 3 days after the conditions are approved, the loan documents (including the note and deed of trust) are completed and sent to the title company. The  borrowers are asked to come in, or a notary will come to them, to sign the loan documents.


Once all parties have signed the loan documents, they are returned to the lender who reviews the package. If all the forms have been properly executed, the check is issued to fund the loan.


When the loan funding clears and the title company records it with the local court, the loan transaction, and home sale when applicable, are considered closed.


Get Started on Your Loan Now!

Download & complete the forms below to qualifying for a new home loan:

Loan Application & Borrower Signature Authorization – Click Here



Required Documents Checklist

  Photo I.D.
  Last two pay stubs
  Proof of other income
  Last two tax years of federal returns
  Employment history (two years), including addresses and contact information
  Previous lenders or landlords (past two years)
  Your monthly household budget (for your reference)
  All debts
  All savings
  Other assets (life insurance, property, etc.)
  Source of down payment

Pre-Qualify For A Home Loan

Whether you are a First Time Home Buyer, Refinancing a Home or a Seasoned Investor,
Pre-Qualify for a New Home Loan to find out what you qualify for.

Start Qualifying Now...