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Our Process

The Mason family looks over mortgage application documents

Application

Your application has been sent. Please review and sign promptly.

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Processing Manager Morgan Sebastian looks over loan files on her computer

Processing

We are preparing your application for an Underwriter. It’s important that we have all the requested documents at this time. Earlier is better. Always.

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Underwriting Manager Mary Jessup looks over loan files on her computer

Underwriting

Certified and federally authorized mortgage underwriters review your application for qualification. Expect additional questions or requests in this step. It’s normal.

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Loan Officer Bruce Weltin walks a couple through their mortgage documents.

Approved

You have been qualified and approved! There may be a few additional documents required before we go to the next step…

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A young couple smiles in front of their house.

Commitment Issued

Mortgage Commitment issued – This is a big step. Congratulations!

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A couple looks at closing disclosure documents on their computer.

Closing Disclosures Sent

The initial Closing Disclosures are sent to you. Be sure to sign it right away. Timing is important.

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A father in son play airplane in a playroom

Clear to Close

A Clear to Close has been issued. The traffic light has turned (appropriately) GREEN.

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The Salceledo family smiles in front of their house as a young girl holds up the keys

Closing Day

Closing Day is when all parties meet to sign the documents, record them. And hand you the KEYS!

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(800) 321-8129

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Ask Us Anything

info@shamrockhomeloans.com