Step 1: Initial Consultation (Phone or Zoom)

Before starting the loan process, we’ll schedule a one-on-one consultation via phone or Zoom to discuss:
✔ Your homeownership goals (buying, refinancing, or investing)
✔ Your financial situation and budget
✔ Loan options available to you
✔ What to expect throughout the mortgage process

This ensures you have a clear understanding of your options before moving forward.

Step 2: Complete the Loan Application & Get Pre-Approved

📑 Submit Your Full Loan Application: Unlike many lenders who issue quick pre-approvals, I complete the entire loan application upfront to ensure accuracy and reliability. This includes:
✔ Income, employment, and asset verification
✔ Credit report review
✔ Debt-to-income (DTI) analysis

✅ Receive a Strong Pre-Approval: Once your application is reviewed, I will provide a solid pre-approval letter that gives you a competitive advantage when making an offer on a home.

Step 3: Find Your Home & Make an Offer

🏡 Start House Hunting: With your pre-approval in hand, you can confidently work with your real estate agent to find the right property.

✍️ Submit an Offer: Once you find the perfect home, your agent will submit an offer. If accepted, we move to the next stage.

Step 4: Loan Processing & Underwriting

🏡 Home Appraisal: A professional appraisal is ordered to determine the home’s value.

🔍 Loan Underwriting: The lender reviews your financials, credit, debts, and the appraisal report to ensure loan approval.
✔ The underwriter may request additional documents (“conditions”)
✔ I will work with you to provide any final details needed

Step 5: Final Loan Approval & Closing Preparation

✅ Clear to Close: Once underwriting is complete, you will receive a Closing Disclosure (CD) at least 3 days before closing, outlining:
✔ Final loan terms
✔ Closing costs
✔ Your monthly mortgage payment

💡 Review your Closing Disclosure carefully and reach out with any questions!

Step 6: Closing Day – Get the Keys!

🖊 Sign Final Documents: At closing, you’ll meet with the title company to sign the final mortgage and homeownership documents.

💰 Final Payments: If required, you’ll bring any remaining down payment or closing costs via wire transfer or cashier’s check.

🔑 Get Your Keys! Once all documents are signed and funds are transferred, you officially own your new home! 🎉

Step 7: Ongoing Support & Future Planning

Even after closing, I remain a trusted resource for future refinancing, investment opportunities, or any mortgage-related questions.

Ready to Get Started? Let’s Talk!

Whether you're buying, refinancing, or investing, I’m here to guide you every step of the way and find the best mortgage solution for you.

📞 (743) 900-3011
📧 mratliff@nexamortgage.com