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The loan process

Follow the key steps from first conversation to closing.

1. Plan

Discuss your goals, budget, and timeline. Review estimated payment and cash needed.

2. Apply

Complete the application and submit the documents your loan team requests.

3. Process

Loan processing, appraisal if required, title work, and underwriting take place.

4. Clear conditions

Respond to any document or information requests. Your team works toward final approval.

5. Close

Review your final figures and closing disclosure, then sign the closing documents.