THE LIFECYCLE
LEARN MORE ABOUT THE MORTGAGE PROCESS.
Using the latest technologies, trusted tools and exceptional service, our Licensed Mortgage Professionals guide you from start to finish. They offer a personal approach to ensure we clearly understand your goals and how to help you reach them.
1
WE GET TO KNOW YOU.
We will review your credit, gain an understanding of your expectations and find the best mortgage option for you.
2
WE REVIEW YOUR APPLICATION.
By gathering information to set you up for success, we simplify the process by ensuring everything is in order.
3
WE REVIEW YOUR DOCUMENTS.
Our team will ask you to share financial documents like payroll info, bank statements and employment history. Ask about our options to reduce documentation requirements when available.
4
WE PROCESS YOUR LOAN.
We work to have your loan processed long before you close, and communication will be constant during this phase.
5
WE ASSIST WITH AN APPRAISAL.
Our trusted partners work with us to verify the value of your home and streamline each step of the appraisal.
6
WE UNDERWRITE YOUR LOAN.
By gathering information to set you up for success, we simplify the process by ensuring everything is in order.
7
WE CONDITIONALLY APPROVE YOUR LOAN.
If everything checks out, we approve your loan and may request additional documents here.
8
WE ISSUE A “CLEAR TO CLOSE.”
Our team verifies all conditions and document needs are met and finalizes your mortgage in time for closing.
9
WE HELP WITH THE FINAL STEPS.
Our team coordinates with the title company so you are set to sign the final paperwork on closing day.
10
WE FUND YOUR LOAN.
Your homeownership journey is complete—congratulations and welcome home!
FIND A LOAN OFFICER TODAY
We take pride in guiding people through the mortgage process, which is one of the most important financial transactions someone can make. Our team members are passionate about what they do, taking every step to put your dream home within reach.
FIND A LOCATION
Homeowners Financial Group currently serves 32 states across the country. If you are looking for award-winning, family-oriented service with transparent communication each step of your home buying journey, reach out to a branch near you.
