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The complete guide

Your mortgage journey, phase by phase

Buying or refinancing a home is a sequence of well-defined steps. We've broken the entire process into eight clear phases, each with practical guidance, action checklists, and the right calculator to help you make confident decisions from your first estimate to the day you own your home outright.

  1. 1

    Pre-Qualification

    Get a quick, no-pressure estimate of what you can borrow.

  2. 2

    Pre-Approval

    Turn an estimate into a verified, offer-ready commitment letter.

  3. 3

    House Hunting

    Find the right home — and the right monthly payment to match.

  4. 4

    Loan Application

    Submit a complete, accurate application to start the clock to closing.

  5. 5

    Processing & Underwriting

    The lender verifies everything and issues your clear-to-close.

  6. 6

    Closing

    Sign, fund, and get the keys — with no last-minute surprises.

  7. 7

    Servicing & Payments

    Manage your loan, protect your home, and pay it off smarter.

  8. 8

    Refinancing

    Lower your rate, change your term, or tap equity — when the math works.