A pre-approval should actually mean something.

There’s a huge difference between being pre-approved and being prepared. Our process is designed to protect your time, money & peace of mind so that you can move forward with confidence when that perfect opportunity arises.

STEP 1

Discovery Call

We kick things off with an introductory conversation in order to understand your goals, timeline & what matters most to you in this process, while addressing any initial questions and/or concerns you may have.

This is not a half-baked pre-approval or an off the cuff quote, but a strategic discussion about your situation and all its moving parts, as well as your priorities & goals so we can begin to create a tailored strategy to help you achieve those goals.

What you'll need

Nothing! Just bring your questions. This is just a casual call to see if we're a good fit.

STEP 2

Loan Application & Review

Once we understand your goals and priorities, we'll have you complete a loan application & assign you 'homework' (mostly gathering financial documentation), so we can then identify the available programs you qualify for.

By reviewing the documentation up-front we reduce the risk of surprises/setbacks later in the loan process, which helps protect your money and puts you in a stronger position when making offers.

What you'll need

Government-issued photo ID

Last 2 years of W2s (or tax returns if you're self-employed)

Last 30 days of pay stubs

Last 2 months of bank statements (all pages)

STEP 3

Strategy Call

After reviewing the application and necessary initial documents, we’ll book a Zoom to go over the numbers together and continue to hone our strategy.

This includes comparing loan types, estimating monthly payment, closing costs, as well as any money moves that may help the dream become reality.

The goal of this call being to transform complexity into clarity and make you the most educated buyer in the room.

What you'll need

Nothing new, just show up ready to ask questions. We'll walk through everything together.

STEP 4

House Hunting & Offer Acceptance

Now that you're pre-approved and comfortable with the loan strategy the fun part begins. House hunting!

As soon as your offer is accepted, the team takes action behind the scenes:

  • Updating your application with property details

  • Running a title search

  • Ordering an appraisal

  • Ongoing communication with the real estate agents, title company, etc.

This is where all the careful pre-work truly starts to pay off!

What you'll need to avoid

Opening new credit, large unexplained deposits, job changes, or big purchases. Basically keep your financial life boring until closing.

STEP 5

Processing, Underwriting & Final Approval

The hard work continues behind the scenes:

  • Your processor gathers and organizes documents to send to underwriting

  • Appraisal analysis

  • Underwriting reviews your file in depth

  • Any additional 'homework' is laid out and we're in the home stretch

Underwriting is the final verification step lenders use to determine loan eligibility, analyzing income & assets vs property value & debts, etc.

This is where we protect your approval & money invested thus far and move toward the finish line with precision.

What you'll need

To be responsive. When we ask for documents, the faster you get them to us, the faster you close. This is the one part of the process where your speed matters most.

STEP 6

Clear to Close & Celebrate!

Once underwriting issues the final approval, a.k.a. 'Clear to Close', the numbers are finalized with the title company and your closing is scheduled.

This is where you’ll sign documents, funds are confirmed & you walk away with the keys and our sincerest congratulations!

What you'll need

Your ID, funds for closing, and a way to celebrate!

Ready to start the process?

Let's figure out where you stand and what comes next.

Roxy Miles
NMLS#2464939

Complex Loans. Fun Lender.
Self-employed, retired and high-net-worth borrowers who don't fit traditional lending. Bank statement loans, asset depletion, reverse mortgages, jumbo financing and first lien HELOC strategy.