The whole process, before you start.

Four stages. At each one, you'll know what's done, what's left and who has it.

1

You tell us the problem

Start with a short message or a call. Tell us what you're trying to do and what's in the way. You don't need your paperwork ready.
2

We read the file

We look at income, credit, assets, the property and your timeline. If we need documents, we'll give you a specific list and a secure way to send them.
3

You get a straight answer

We lay out your options, what each one costs and what could get in the way. When you apply, you'll receive a Loan Estimate with the terms in writing. If the answer is "not yet," we'll tell you what would change it.
4

We work it to closing

Appraisal, title, insurance, underwriting conditions. We keep track of each one and tell you and your agent where things stand. You'll receive your Closing Disclosure before you sign, so you can compare it with what we told you.

Get a head start

What most files need

Your list may be shorter or longer. This is what usually gets asked for.