The loan process
Four steps from first call to front door.
A mortgage doesn't have to be a mystery. Here's exactly what happens, in what order, and what we'll need from you along the way.
- 01
Get your budget
House hunting is exciting, and it's even better when you're looking at homes you can actually afford. We'll talk through your income, your debts, and the monthly payment you're comfortable with, then pre-qualify you at no cost and no obligation.
Get pre-qualified - 02
Apply for your loan
Submit your basic information and documents through our secure online application, or sit down with us and we'll help you through it. Our application checklist tells you exactly what to gather.
See the checklist - 03
Compare your loan options
This is where a local brokerage earns its keep. We compare hundreds of options across our lender network, looking at rate, down payment, mortgage insurance, and total cost, and show you the trade-offs in plain English.
Explore loan programs - 04
Close your loan
Congratulations, the big day is here. You'll sign the final documents, the funds are sent, and the keys are yours (or your refinance is complete). We'll tell you what to expect on closing day so there are no surprises.
What happens at closing
Closing day
What to expect when you close
The final step usually takes an hour or two at the title company or closing attorney's office. A little preparation makes it painless.
- Bring a government-issued photo ID (and your spouse's, if applicable).
- Wire or bring a cashier's check for your closing funds, per the closing agent's instructions. Always confirm wire details by phone first.
- Review your Closing Disclosure at least three business days before closing and ask about anything that changed.
- Don't open new credit, change jobs, or move large sums of money in the weeks before closing.
- Do a final walkthrough of the home within 24 hours of closing.
Questions about the process?
Every loan is a little different. Call the Conway office and a loan originator will walk you through what your timeline looks like.
Ready to go mortgage hunting?
Tell us a little about your plans and a local loan originator will compare your options across our lender network. It's free, and there's never any pressure.