The mortgage process shouldn't be a mystery. Here's an honest look at every step, so you always know what's happening and what's coming next. Self-employed or W-2, the path is the same — I'll just tailor the paperwork to fit how you actually get paid.
Every journey is a little different, but here's the road most of my clients travel. I'm with you the whole way — no radio silence.
We start with a conversation, not an application. I'll learn about your goals, your timeline, and your financial picture — including how you earn, whether that's a W-2, 1099s, or business income. Then I'll walk you through your real options. No pressure, no obligation.
"You don't need to have it all figured out before we talk. That's literally what I'm here for." — Garrett
When you're ready to move forward, I'll collect some basic documents, review your credit, and shop your profile to find the structure that fits. You'll get a pre-approval letter that tells sellers and agents you're serious — and one that's actually been underwritten, not a 30-second guess.
"If your tax returns don't show your real income, don't count yourself out. Bank-statement, 1099, and P&L programs exist for exactly this — that's my specialty." — Garrett
With your pre-approval in hand, you'll work with your real estate agent to find the right home and make an offer. I'll stay in the loop to review financing terms and make sure your offer is structured to win — and to close.
"Before you make an offer, send it my way. I'll double-check the financing terms so there are no surprises later — and a quick call from me to the listing agent can make your offer stand out." — Garrett
This is the behind-the-scenes work. I submit your file, order the appraisal, and coordinate with the title company while the underwriter confirms everything meets guidelines. You'll hear from me along the way — I'll tell you exactly what's needed and why.
"The #1 rule during underwriting: don't make big financial moves. No new credit, no large unexplained deposits, no job or entity changes. When in doubt, call me first." — Garrett
Once the underwriter signs off, you'll receive your Closing Disclosure — the final breakdown of your loan terms, monthly payment, and closing costs. You get at least 3 days to review it before signing, and I'll walk every line with you so nothing is a surprise.
"I review your Closing Disclosure before you do. If anything looks off, I catch it first." — Garrett
Signing day. You'll meet at the title company (or close remotely in some cases), sign the paperwork, and get the keys. But this isn't where it ends — I'm here for future refinances, equity strategies, and any mortgage question that comes up down the road.
"After closing, I check in now and then to make sure your loan still makes sense. Rates drop? Equity builds? I'll let you know when it's time to make a move." — Garrett
Most loans close in 21–30 days from an accepted offer. Some move faster depending on the loan type and how quickly documents come together.
Tell me a little about your situation and I'll personally walk you through your options — honest guidance, no pressure, no obligation.
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