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Our job is to make the mortgage process as seamless as possible. Thankfully, we are experts in the loan process.


We will thoroughly go through each stage with you, but in the mean-time, feel free to browse each stage below to get a general idea of the process.


The loan process is broken up into 6 parts:


(1) The Documentation Stage

(2) The Appraisal Stage

(3) The Underwriting Stage

(4) The Conditional Approval Stage

(5) The Clear-To-Close Stage

(6) Closing Stage

01 Documentation



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During The Documentation Stage you are the most important player on the team. As quarterback of the documentation stage, there are a few critical documents we will be asking you to hand off. These documents include:
1. W2’s – From the last 2 years 
2. 1040 Federal Tax Returns – From the last 2 years 
3. 2 Most Recent Paystubs 
4. 2 Most Recent Bank Statements – All pages 
5. Copy of your drivers license
During this stage, it is critical that you don’t change any aspects of your financial picture. This means: No Major Purchases (e.g. Purchasing furniture for you new home) No Applying for New Credit (e.g. Obtaining financing for Car) No Change in Employment (Please Don’t Quit Your Job!)

02 Appraisal