How to Get Started
Your first step is easier than you think. Whether you’re buying or refinancing, we’ll guide you from a quick intro to clear-to-close with simple steps and transparent numbers.
Quick Start
Answer a few questions—we’ll confirm eligibility, estimate your payment, and outline next steps.
The 6‑Step Path
Say hello
Start the short application or book a 15‑minute call. We’ll gather your goals (payment, timeline, cash to close) and match programs.
Upload essentials (secure)
Use our secure portal to upload:
- Valid ID
- 30 days of paystubs
- 2 years W‑2s
- 2 years signed/filed Federal Tax Returns (all pages/schedules)
- 2 months bank statements (all pages)
Get pre‑approved
We verify income, assets, and credit, then share a pre‑approval letter and a clear budget so you can shop confidently.
Lock your rate & disclosures
Once you’ve chosen a program, we lock your rate and send initial disclosures—fully e‑signable.
Appraisal, title, underwriting
We coordinate appraisal and title work; underwriting reviews your file. You’ll get a short list of any final items needed.
Clear to Close
We schedule your closing, review your final numbers, and you get keys—or your refinance funds—right after signing.
After You Submit
- You’ll receive a confirmation email with next steps.
- We’ll review your goals and send an initial estimate (payment & cash‑to‑close) fast.
- If you booked a call, we’ll use it to fine‑tune the plan and answer questions.
How We Compare Options
We’ll show a side‑by‑side of FHA, VA, Conventional, USDA, and specialty programs (Jumbo, DSCR, Bank Statement) with total cost, cash‑to‑close, and monthly payment—so the choice is obvious.
FAQs
Do I have to apply before I can see numbers?
We can give ballpark ranges from your Typeform answers, and your secure application lets us generate precise, lender‑grade numbers.
How long does pre‑approval take?
With complete docs, many pre‑approvals turn around quickly. We’ll keep you posted at each step.
Is my information secure?
Yes—documents are uploaded through our secure LendingPad portal. Never email sensitive info like SSNs or full account numbers.
Ready when you are.
Start the application, or grab a quick call and we’ll tailor the path to you.