Our Loan Process
A clear process, start to close.
Four steps, and you always know which one you are in. Andrew tells you exactly what is needed and when — once, not in a drip of surprise requests.
01Pre-Approval
A loan pre-approval sets you up for a smooth home buying experience, and tells you exactly what you are working with before you start shopping.
02Loan Application
A few documents are needed to get your loan file through underwriting. Andrew tells you precisely which ones, once.
03Underwriting
Andrew’s team closely evaluates all the documentation in the loan package and clears conditions as they come.
04Closing
Documents are drawn and sent to the title company for closing.
Come Prepared
What underwriting will want.
Every file is different, but this is the usual shape of it. Andrew confirms your exact list at application.
Income
Recent pay stubs, or bank statements if you are using the bank statement program.
Assets
Statements for the accounts your down payment and reserves come from.
Identity
Government-issued ID, and your certificate of eligibility if you are using a VA loan.
Property
The contract and, once ordered, the appraisal and title work.
Before You Shop
Get pre-approved first.
A loan pre-approval sets you up for a smooth home buying experience: it tells you what price range is realistic and makes your offer credible to a seller’s agent.
