•  Submit essential documents for qualification assessment
•  Determine suitable loan program and structure
•  Receive pre-approval (typically 24-48 hours depending on complexity)

•  Lock in interest rate with your consent
•  Receive loan estimate (LE) within 3 days with estimated closing costs
•  Sign and acknowledge LE (required by law)
•  Order appraisal and prepare application package
•  Sign loan application and disclosures
•  Submit your loan to the lender

•  Lender reviews and signs off conditions (may request additional conditions)
•  Once all conditions are cleared, final loan approval is released

•  Lender issues conditional loan approval with required conditions
•  Review conditions together
•  Provide all requested items within 24-48 hours
•  Discuss contingencies with your realtor
•  Obtain homeowner's insurance quote and submit declaration page
•  Receive and acknowledge closing disclosure (CD)
•  Begin mandatory three-day waiting period

•  Lender sends documents to title/escrow company
•  Review estimated closing statement and note before signing
•  Complete signing appointment at title/escrow office

•  Address any funding conditions from lender
•  Wire down payment to title/escrow company
•  Lender funds the loan
•  Title/escrow records the loan the next day

 We discuss your refinancing goals

•  You provide documents, we confirm qualifications
•  Together we select the best loan program for you

•  Lock your interest rate with your approval
•  Review and sign Loan Estimate (LE) promptly to avoid delays
•  We order appraisal and prepare your application
•  You sign application and disclosures
•  We submit everything to the lender

•  Lender reviews and signs off on initial conditions
•  We handle any additional requirements from the lender
•  Final loan approval is issued once everything is cleared

•  Review and fulfill all lender conditions within 48 hours
•  Sign Closing Disclosure (CD) immediately upon receipt
•  Mandatory 3-day waiting period begins after CD signing

•  We review final numbers with you before signing
•  Sign documents at scheduled appointment with title/escrow

•  Address any final funding conditions
•  Lender funds the loan
•  Title/escrow records the loan
•  For primary residences: 3-day rescission period applies before funding