Know what comes next.

The Main Stages

From first conversation to closing

1. 1

   Step 1: Discuss your plans

   Talk about your purchase or refinance goals, timing and financial circumstances.

2. 2

   Step 2: Complete the appropriate application

   When you are ready, use the designated application process and provide the requested information. An inquiry alone is not a completed mortgage application or approval.

3. 3

   Step 3: Prepare your documents

   Gather the income, asset, identification and property information requested for your situation.

4. 4

   Step 4: Move through review

   Depending on your transaction, the process may include disclosures, processing, property valuation, underwriting and requests for additional information.

5. 5

   Step 5: Prepare for closing

   If the loan is approved and closing conditions are satisfied, review the final documents and complete the required closing steps.