The mortgage process

Every big move starts with a first step.

From the first conversation to the keys in your hand, here’s a simple look at the road ahead.

VIP HOME LOANSA place to call yours.

Review your income, savings, monthly obligations and the payment that feels comfortable for your life.

Include your down payment and closing costs in your plan.

Talk with your loan officer, share your documents and review the programs that fit your situation.

Ask about pre-approval before starting your home search.

Work with your real estate professional to find a home and make an offer with your financing plan in mind.

Share the signed purchase agreement with your loan officer.

Your application moves through processing, property review and underwriting. Stay in touch as the team requests any additional information.

Check with your loan officer before making major financial changes.

Review the final loan details, confirm your closing arrangements and ask questions about anything that needs clarification.

Confirm any payment instructions directly with your closing team.

Complete the closing documents and receive your keys once the transaction is finalized. A new chapter begins.

Keep your final documents and loan servicing information together.

YOUR NEXT CHAPTER

Let’s find your way home.

A real conversation. A plan made around you.