We start with a conversation about your goals, timeline, financial situation, and what you're looking for in a mortgage. This helps Daniel recommend the best programs for you.

Complete the secure application (takes about 15 minutes). Daniel reviews your information and provides a pre-approval letter so you can shop with confidence.

With pre-approval in hand, you work with your real estate agent to find the right property. Daniel stays available to answer questions as you shop.

Once you find a home and go under contract, Daniel orders the appraisal and begins processing your full file. Documentation is collected and organized.

Your complete file goes to underwriting for final review. Daniel proactively addresses any conditions to keep things moving smoothly.

Final approval is issued! Closing documents are prepared and sent to the title company. You'll receive a closing disclosure at least 3 days before closing.

Sign the final documents, get your keys, and celebrate! Daniel is available if any last-minute questions come up.