From hello to keys, step by step.
The mortgage process has a lot of moving parts. Here is exactly how it works at Cedar Mill, so nothing about your home loan is ever a mystery.
Six steps to the closing table.
Conversation
We talk through your goals, timeline, and numbers. No credit pull until you give the okay.
Pre-Approval
We verify the basics and issue a pre-approval letter that strengthens your offer.
Shop Your Loan
As a broker, we compare programs and pricing across our lender network.
Application
You apply online or with us. We gather documents and submit a complete file.
Processing & Underwriting
We manage appraisal, title, and underwriting, and keep you updated the whole way.
Closing
You sign, we fund, and you get the keys. On time, the way it should be.
What to have handy.
You do not need everything on day one, but gathering these early makes the process smoother.
- Recent pay stubs (usually the last 30 days)
- W-2s or 1099s for the last two years
- Two months of bank and asset statements
- Tax returns for the last two years (or bank statements if self-employed)
- A government-issued photo ID
- Details on any other property you own
Loan Process FAQs
Most purchases close in about 30 days, though it varies with the loan type and how quickly documents come together. We manage the deadlines so you get to the closing table on time.
Not until you are ready. We start with a no-pressure conversation about your goals and numbers, and we only pull credit once you say so.
Usually income such as pay stubs or tax returns, asset statements, and ID, though it varies by program. We give you a clear checklist up front so there are no surprises.
Pre-qualification is a quick estimate, while pre-approval is a verified confirmation of how much you can borrow. A pre-approval makes your offer far stronger with sellers.
You shop for a home with a strong offer in hand. Once you are under contract, we compare programs and pricing across our lender network and manage the file to closing.
Ready to take step one?
Step one is just a conversation. Start your application online or call us, and we will walk you through the rest.