Strategy
- Goals
- Budget
- Financing options
Resources · Buying a home
The Homebuying Roadmap
From ‘Can I buy?’ to getting the keys.
Eight Stages, One Connected Process
Pre-approval
- Income
- Assets
- Credit
- Loan strategy
Home search
- Property
- Location
- HOA where applicable
- Taxes / insurance
Offer
- Price
- Seller credits
- Contingencies
- Closing timeline
Escrow
- Contract received
- Loan enters active transaction
Underwriting + appraisal
- Documentation
- Conditions
- Property valuation
Final approval + closing
- Final approval
- Closing Disclosure
- Signing
- Funding
Keys
- Transaction closes
What Can Slow a Mortgage Down?
- Missing documentation
- Large unexplained deposits
- Employment changes
- New debt
- Property or appraisal issues
- Insurance issues
- HOA or condo review issues
Before You Make an Offer
- Confirm your payment and cash-to-close comfort
- Review the property type, taxes, insurance, and HOA
- Discuss seller credits and contingencies
- Align the closing timeline with financing
- Keep credit, employment, and assets stable
A clear next step
Still Not Sure Where to Start?
You don't need to diagnose your own mortgage. Tell me what you're trying to accomplish and we'll work backward from there.