The Mortgage Process

Step 1: Initial Consultation

We start with a conversation about your goals, timeline, and financial picture to understand which loan options may be a fit.

Understanding the mortgage process can make home financing feel more manageable and less overwhelming. While every situation is unique, most mortgage transactions follow a similar path from planning through closing.

Step 2: Pre-Approval

A pre-approval reviews your financial information and provides a price range to guide your home search. In competitive markets like Los Angeles, this step can help strengthen your offer.

Step 3: Home Search & Offer

Once pre-approved, you can shop for a home and submit an offer. After acceptance, the loan moves into full processing.

Step 4: Loan Application and Processing

Your complete loan application is submitted, documentation is verified, and a property appraisal is ordered to support lender requirements.

Step 5: Underwriting and Approval

The lender reviews all details and may request additional information. Once conditions are satisfied, the loan is approved and prepared for closing.

Step 6: Closing

Final documents are signed, funds are disbursed, and ownership is transferred. Monthly mortgage payments begin according to your loan terms.

If you're ready to begin, I’m here to guide you through the process