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Step 1: Pre-Approval
The first step in your mortgage process is to speak with a mortgage consultant. They will guide you through the initial application and explain any documentation needed to find what you qualify for!

Step 2: Make an offer
Now that you know how much home you can afford, it's time to start shopping! Your real estate agent will place you on a home search and start showing you homes.
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Step 3: Apply for a Loan
Once you have found a home, your offer has been accepted by the seller and you have chosen the right loan program for you, it is time to apply for a mortgage loan.

Step 4: Loan Processing
At this stage, the loan processor will gather and verify all necessary documentation pertaining to the borrower and the property.

Step 5: Underwriting
The next step is for your application to be assessed by the underwriters. Underwriting is a process of measuring the risk of loaning money to the borrower and to determine if that risk is acceptable.
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Step 6: Closing
Once you've received the 'clear to close' your closing will be scheduled. You will receive a Closing Disclosure with the final closing costs in order to send a wire transfer or obtain a cashier's check to bring to the closing, which will likely take place at the title company. After you have signed all the documents you will receive the keys and the home is officially yours!