🗓 Step 1: Initial Consultation

We start with a phone call or in-person meeting. You’ll get a clear understanding of your refinance options, loan programs, and any potential challenges that may arise.

📑 Step 2: Document Collection

Once refinancing is determined to be a good fit, we gather your documents, including:

• Pay stubs and W-2s
• Tax returns (if needed)
• Bank statements and assets
• Current mortgage statements
• Homeowners insurance information

This part is similar to when you first purchased your home.

🖋 Step 3: Disclosures & Rate Lock

You’ll receive initial loan disclosures that include your estimated rate and terms. You can e-sign everything from your phone or computer. There’s no lock fee to secure your interest rate — we work on trust, not pressure.

✅ Step 4: Underwriting Approval

We submit your loan to underwriting. Once approved, we walk you through all conditions and gather final items needed to move forward.

🏡 Step 5: Closing Appointment

Your final loan documents are sent to escrow. We schedule a convenient signing time — either in your home with a mobile notary, or at the escrow office if you prefer.

💵 Step 6: Funding & Recording

Once signed, your loan docs are reviewed and cleared for funding. Funds are wired to title, your previous mortgage is paid off, and your new loan is officially recorded.