Our Mortgage Process

If you’re purchasing a home, refinancing the one you have or want to learn more about how mortgages work, we want to make sure you have all the tools you need. That’s why we provide technology, education and customer service to help you with the mortgage process – from applying, to getting approved, to managing your loan. Here’s how our mortgage process works, and what you can expect from us.

1. Apply Online, by Phone, or by Chat

Talk to one of our loan experts to custom-tailor a loan that meets your goal.

How We’re Different

• Apply how you want: work online, talk to a Home Loan Expert, or both.
• Import your financial information so you quickly get accurate and verified numbers.
• No high-pressure sales. Talk to us when and how you want. We are here to find the best mortgage solution for you, not just to add a number to our bottom line.

2. Get Your Pre-approval

See how much you are pre-approved for, and know your numbers before you start looking for a home or start a refinance. We vet all of our pre-approvals with actual credit reports and docs to ensure there are no surprises once you start the process.

How We’re Different

• Choose when and where you want to close your loan.
• Our one-of-a-kind F5 Mortgage verification process ensures the underwriting of your home loan is as quick as possible. Getting you into your dream home or helping you realize the value of your refinance.
• Use online tools to get your mortgage paperwork before closing.
• Update your pre-approval on the fly with our F5 Mortgage Portal. No more stress of trying to get someone to update your pre-approval letter on the weekends or late at night before placing an offer.
• Our expert Account Managers work alongside your loan officer to ensure you and your realtor are always kept up to date and in the loop. They also help coordinate with all the 3rd parties involved, so you don’t have to.
• Our online tools make supplying docs a breeze.

3. Find Your Home

Unleash the power of our whole team to help you find your perfect home and get your offer accepted. Your loan officer and Account Manager will work with you and your realtor to help get your offer accepted and avoid the runaround.

How We’re Different

• We work directly with your realtor. Don’t have one? No problem! We can get you connected with a realtor in our trusted network free of charge.
  
• Our team approach (loan officer and account manger) means there will be multiple people going to bat for you and your offer. Whether this means coordinating a plan of attack with your realtor, calling the listing agent to talk up your offer, or just answering questions as they come up through the process, rest assured that we have your back!
  

4. Close Your Home Loan

Close on your loan fast, stress-free, and at a great rate. Most of our loans are clear to close in less than 20 days.

How We’re Different

• We partner with 20+ different lenders and investors to find you the best deal for your new mortgage. Let us do the shopping for you and get you an amazing rate. 
• We handle all the communication and processing of your loan internally. Your account manager will continue to be with you every step of the way and will coordinate all the important details and dates with you. 
• We partner with the best. Some of our investors are the biggest and best in the country at what they do. We have secured partnerships with them that allow us to get you some of the best pricing and service in the whole industry.