What to Expect When You Work With a Lender

We connect you with trusted lending partners who offer competitive rates, personalized advice, and potential closing cost credits so that you can finance your next home with confidence.

The five steps

1. 1Initial Consultation, Your lender will ask a few questions about your goals, income, credit, and timeframe.
2. 2Document Collection, Most lenders will collect W2s, tax returns, pay stubs, and bank statements. Many offer digital uploads.
3. 3Pre-Approval Letter, Once your application is reviewed, you’ll receive a formal letter showing how much you’re approved to borrow. Use this to strengthen offers.
4. 4Rate Lock & Loan Structuring, Choose a loan product that fits your goals, lock in your interest rate, and move forward toward closing.
5. 5Underwriting & Closing, Your loan will go through final underwriting, and you’ll close at the same time you buy your home.

Loan products offered by our partners

• Conventional Loans, Great rates for buyers with solid credit and income.
• FHA Loans, Low down payment options, ideal for first-time or lower-income buyers.
• VA Loans, $0 down programs for eligible veterans and active military.
• Jumbo Loans, Financing for high-value properties exceeding conventional limits.
• Refinance Loans, Lower your rate, shorten your term, or cash out equity.
• First-Time Buyer Programs, State and federal assistance, down payment grants.
• Low Down Payment Loans, As low as 3% down with flexible guidelines.

Have questions? Read Home financing: common questions or request a lender introduction.