Plan your purchase or refinance
Discuss your goals, budget, timeline, and financing needs. Estimate the full housing payment and cash required.
Loan Process
Complete your application
Provide your information through the secure LendingPad portal and submit requested documents.
Review options and disclosures
Discuss available loan terms and costs. Review official disclosures and ask questions before choosing how to proceed.
Property and underwriting review
The lender evaluates your file and may request an appraisal, title work, insurance, or additional documentation. Respond to conditions promptly.
Prepare to close
Review final terms and closing documents. Confirm closing arrangements and verify wiring instructions directly with your trusted settlement contact.
Close and look ahead
Sign the required documents and confirm funding with your closing team. Keep your servicing information and loan documents accessible.