Because 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 it's moving parts, as well as your priorities & goals so we can begin to create a tailored strategy to help you achieve those goals.
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.
Step 3- Strategy Call
After reviewing the application and necessary initial documents, we’ll book another call 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 this complex strategy into clarity for you, with the intention of making you the most educated buyer possible.
Step 4- Strategy Implementation/Coordination
Once you’ve signed off on the numbers, we'll share the plan with your realtor so the entire team is aligned, early and intentionally.
This helps eliminate potential miscommunication, protects your timeline and supports strong offers that are more likely to be accepted, which gets us ever closer to realizing your dream.
Step 5- Offer Acceptance
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!
Step 6- Processing, Underwriting & Final Approval
The hard work continues behind the scenes:
Your processor gathers and organizes documents to send to underwriting
Appraisal analyzation
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.
Step 7- 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!
It’s official, you’ve purchased your new home!!!
Roxy Miles
NMLS #2464939
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Edge Home Finance
NMLS #891464