Are you ready to get started?

Here are some thing to consider before we help you move your dreams forward.

The Mortgage Process

Understanding the mortgage process can seem overwhelming, but we're here to guide you every step of the way. Below, you'll find a brief overview of the mortgage process and a list of the documents you'll need to get started.

Initial Consultation

During your first consultation, we'll discuss your financial goals, review your financial history, and explore the mortgage options that best suit your needs.
Application Submission

You'll formally apply for a mortgage by providing detailed information about your finances and the property you intend to purchase.
Processing

Our team will verify your documents, perform credit checks, and assess the property's value to ensure everything aligns with current lending criteria.
Approval

Once all verifications are complete and satisfactory, you'll receive formal approval for your mortgage.
Closing

We'll schedule a closing date where you'll sign the final paperwork, make the initial down payment, and officially become the homeowner.

Preparing your Documents

Getting your documents ready in advance can significantly streamline the mortgage process. Here’s a simple list of what you'll need to gather.

Proof of Identity and Legal Residency

- Government-issued ID (e.g., driver’s license, passport)
- Social Security card or number
Proof of Income

- Recent pay stubs within the last 30 days

- Federal tax returns within the last two years

- W-2 or 1099 forms within the last last two years
Proof of Assets

- Bank statements from the last three months

- Investment account statements

- Real estate or property assets
Credit Information

- You may not need to provide this directly as we will conduct a credit check with your permission.
Property Information

- The address of the property you intend to buy
- Property listing details or a purchase agreement if already under contract
Employment Verification

- Contact information for your current employer
- If self-employed, additional documentation of your business and income may be required.