What are the steps in the mortgage process?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The steps: pre-approval, find a home and go under contract, formal application and disclosures, appraisal and title work, underwriting, conditional approval, clear to close, then closing. Each builds on the last.
Most steps overlap to save time. We manage the timeline and keep your agent and the title company in sync so nothing stalls.
From start to keys
The mortgage process runs in clear stages. First comes pre-approval. Then you shop and get an offer accepted. Next the lender orders an appraisal and sends your file to underwriting.
After underwriting signs off, you reach clear to close. Finally you sign at closing and receive the keys. Each stage builds on the last.
Your part at each stage
Your job is to respond fast and keep your finances steady. Send documents the same day, avoid new debt, and do not change jobs midstream.
We handle the lender side and keep you posted at every step. Apply now and we will walk you through the whole path from pre-approval to closing day.