Our Process

 
 

Our clients can expect education, a comprehensive solution, and a fun team to work with. We want to teach and guide them through the process, and connect them with anything they may need - whether that be a lawyer, realtor, insurance, or accountant. Our clients will feel confident with their decision, and excited to purchase their new home.

 
 
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STEP 1: Consultation & APPLICATION

We begin with a conversation to gain an understanding of what kind of mortgage or financing our client is looking for. Next, our client will complete an online application form, and upload any required documents through a secure site.

STEP 2: Pre-Approval

After receiving the online application and required documents, we follow up with our client to provide them with a pre-approval amount. This is also the time when we’ll establish a close relationship with their realtor.

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STEP 3: Purchase Offer & approval

Once our client has written an offer on a property, we educate them on the various options available at this time and then submit their offer to the lender. When the lender approves the offer, our clients can sign the documents in-person or electronically. If any other documents are required, they will be collected at this time. 

STEP 4: CONDITIONS & LEGAL

After waiving financing conditions, our client will meet with a lawyer to sign the legal paperwork before they get possession. The legal paperwork is sent from the lender to the lawyer. The lawyer will request the remainder of the down payment, legal fees, ID and home insurance (if required) at this time. 

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Step 5: Plan your move & Possession

Once the legal process is complete, our clients can begin planning their move - scheduling the moving trucks, electricity, changing address, etc. Our client will meet with their lawyer or realtor to receive the keys to their new home on possession day!

 
 
 

I would like to acknowledge the exceptional service and professionalism that Tori provides. Her knowledge of the industry is impressive and truly appreciative. Tori goes above and beyond to ensure that her clients needs are met and that everything is handled thoroughly and efficiently. I have worked with Tori on a number of occasions and she is a true professional! I would highly recommend her for any of your mortgage needs.
— SANDY T.