1. TIME TO GET STARTED
   • Talk to a mortgage consultant to get started
   • Securely submit necessary documentation online
   • Want to apply online? Expect a response within 24 hours from a Mortgage Consultant
2. ON YOUR WAY
   • Your credit report is pulled and your Mortgage Processor sends the report and your documents to Underwriting for their review
   • Underwriting reviews loan within 8 business hours of receipt
3. THE PROCESS CONTINUES
   • Underwriting will let your Mortgage Processor know if your loan is approved (or not)
   • Great news! Your application has been approved. Next:
   • Appraisal is ordered (can take 6 - 10 calendar days)
   • Title work is ordered (may take 3 - 5 business days)
   • Your processor may ask you for more information, such as:
     • - Explanation of large deposits
     • - Additional paystubs
     • - Verification of funds
     • - Tax returns
     • - Explanations on credit inquiries/delinquencies
4. YOU'RE ALMOST THERE
   • Mortgage processor sends appraisal, title work, and any requested info to Underwriting for FINAL review
   • Preliminary closing documents will be sent to you once everything has been reviewed and cleared. You’ll have at least three days to review before a closing can be scheduled
5. WELCOME HOME!
   • Your closing with the title company is scheduled. Congratulations on your new home!