home · home loans · the process
prequal to keys, mapped.
Eight steps, four-ish weeks, zero mystery. Here's exactly what happens, when, and what we handle so you don't have to.
01
prequalification
A conversation about income, savings and goals — you leave with a real budget and a document checklist. No credit pull required to start. week 0
A conversation about income, savings and goals — you leave with a real budget and a document checklist. No credit pull required to start. week 0
02
preapproval
We verify income, assets and credit, and issue the letter that makes sellers take your offer seriously. In a competitive Denver market this is your strongest card. week 0–1
We verify income, assets and credit, and issue the letter that makes sellers take your offer seriously. In a competitive Denver market this is your strongest card. week 0–1
03
house hunting & offer
Shop inside your budget with confidence. When you find it, we update numbers for the exact address — same day when it's urgent. your pace
Shop inside your budget with confidence. When you find it, we update numbers for the exact address — same day when it's urgent. your pace
04
under contract
Formal application, appraisal ordered, rate locked at the right moment. Our files are verified before underwriting sees them — fewer conditions, faster answers. week 1–2
Formal application, appraisal ordered, rate locked at the right moment. Our files are verified before underwriting sees them — fewer conditions, faster answers. week 1–2
05
underwriting & conditions
The lender reviews everything. Conditions come back; we handle most of them with you in a day or two. This is where having one dedicated human pays off. week 2–3
The lender reviews everything. Conditions come back; we handle most of them with you in a day or two. This is where having one dedicated human pays off. week 2–3
06
insurance binder
Your homeowners policy gets chosen and bound — and because our insurance team is down the hall, this step takes you zero effort and never delays closing. week 3
Your homeowners policy gets chosen and bound — and because our insurance team is down the hall, this step takes you zero effort and never delays closing. week 3
07
clear to close
Final numbers issued (matching the estimates, because we don't do surprises), closing scheduled, wire instructions verified by phone — always by phone. week 4
Final numbers issued (matching the estimates, because we don't do surprises), closing scheduled, wire instructions verified by phone — always by phone. week 4
08
closing day
Final walkthrough, signatures, keys. Many of our closings land ahead of schedule — see the reviews. week 4–5
Final walkthrough, signatures, keys. Many of our closings land ahead of schedule — see the reviews. week 4–5
Timelines assume a complete file and a cooperative appraisal — which is most of our files, because we verify before we submit.
step one takes one phone call.
Free prequalification in English, Español, 한국어 or မြန်မာ.