HomeLoan Process

The Process

From Application to Keys in Hand

A clear, guided process with Edwin by your side every step of the way. No surprises, no stress.

30-45

Days Average

500+

Families Guided

100%

Transparent

5.0

Client Rating

Day 1Prepare

Free Consultation

Discuss goals, timeline, and get a clear picture of your options.

Review financial situation
Discuss loan program options
Set realistic timeline
Answer all your questions
Days 1-3Prepare

Gather Documents

We'll tell you exactly what's needed — no guesswork.

Pay stubs (last 30 days)
W-2s or tax returns (2 years)
Bank statements (2 months)
Photo ID
Days 3-5Qualify

Pre-Approval

Get your pre-approval letter and know your buying power.

Credit check and analysis
Income and asset verification
Pre-approval letter issued
Valid for 90 days typically
Days 5-30+Qualify

Find Your Home

Shop with confidence knowing exactly what you can afford.

Work with your real estate agent
Submit offers with confidence
Pre-approval strengthens your offer
Edwin available for questions
Days 30-42Close

Underwriting & Processing

We handle the heavy lifting while keeping you informed.

Full application submitted
Appraisal ordered
Title search completed
Conditions cleared
Days 42-45Close

Clear to Close

Final approval received — time to prepare for signing.

Final loan documents prepared
Closing disclosure reviewed
Wire instructions sent
Closing date confirmed
Day 45Celebrate

Closing Day

Sign your documents and get the keys to your new home!

Sign final documents
Funds disbursed
Keys handed over
Welcome home!

Ready to Begin?

Start with a free, no-obligation consultation and get pre-approved in as little as 24 hours.

Call Edwin