1. Schedule your free consultation.

The process starts when you call me at 773-354-3135 to schedule your free consultation.

2. Let me answer your questions and explain your loan options.

During your free consultation, we will have an opportunity to discuss your mortgage needs in-depth.

This is a time when you can ask your questions about home loans, share your goals with us, and tell us about any obstacles that concern you.

We also will take this opportunity to introduce you to the different loan programs we offer and their benefits.

You will have all the information you need to make an informed choice about a mortgage before the end of your consultation.

3. Fill out the online application. <<Apply by Clicking Here>>

After we go over the home loan options, you can submit your application along with your documentation.

In most cases, you will need to provide employment papers and tax documents like your W-2. But we do offer bank statement loans and no income verification investor loans in case you need an alternative loan process.

4. Appraisal and underwriting are completed.

By this step, you can continue house hunting while we work on the appraisal and underwriting. We may request any additional documentation during this step.

5. You receive conditional approval.

We will now give you a loan commitment with conditional approval.

6. I'll submit pending documents.

In some cases, additional documentation is required in order to complete the final underwriting review. I will let you know if there's anything more to finish the process.

7. The underwriter issues final approval on your mortgage.

After you have met all conditions for final approval and the underwriter has finished work, you will be granted final approval on your home loan.

8. Closing time!!

The moment you have been waiting for has arrived—closing time! After completing the last of your paperwork and paying any closing costs that are due, you will be able to finalize the sale. The keys to your home are now yours!