My Mortgage Process

Purchasing a home is one of the largest investments most people will ever make, and it can be an exciting and stressful process. By working with an experienced lender that owns your application from pre-qualification until closing and beyond, you can minimize that stress and enjoy the excitement of buying a new home. Whether you’re a first-time buyer or an experienced homeowner, you will find my process distinct, more efficient, and more financially comprehensive than those of other lenders. To see what my past clients have to say about my team, check out my Zillow Reviews.

Mortgage approval doesn’t have to be hard!

Communication and availability are keys to my process. I will keep you and your REALTOR® up to date as we reach milestones in the loan process, in addition to communicating weekly status updates. Nothing is more frustrating than not being able to get an answer when you want it, so you and your REALTOR® will have access to me through my office, cell phone, email, text messaging and my personal mobile app. My personal touch and open line of communication are part of what sets me apart from other lenders.

Loan Consultation & Application

Your initial application and consultation will help us determine what loan program best fits your needs. Your consultation will include a credit report and scores, estimates for monthly payments and your total cash investment. I will also provide a custom Total Cost Analysis to help you compare your options and determine the best product for you and your family.

Once we have completed our consultation, selected the correct loan, and collected necessary documentation, we will begin processing your application. This can be done before or after you’ve put a home under contract but you can negotiate with more confidence if we start prior to your contract negotiations.

Loan Processing

Processing is the stage where we prepare your loan for underwriting and the appraisal and title work are ordered. My assistant and loan processor team are in my office with me everyday and work hard to prepare your file. Their diligence results in a well organized and properly documented file that makes underwriting approval easier.

Loan Underwriting

Underwriting is the process we use to determine loan approval. It involves evaluating the property, your income, assets, and credit report to determine your ability to pay the mortgage. After initial underwriting review, you will receive a conditional loan approval with a list of conditions to satisfy for final approval.

Loan Closing

Following approval from our underwriting department, your file goes to our closing department. I work personally with my closer to ensure the closing of your loan goes smoothly and occurs on time.

Certainly you may have some anxiety when applying for a mortgage, but if you understand the process, obtaining mortgage approval will be far less worrisome. Obtaining a mortgage typically takes about 3 to 4 weeks, but can happen more quickly when needed. My goal is to make your mortgage loan experience as effortless as possible.

Here is a handy checklist of documents you will need to apply for a mortgage. Capital City Home Loans will walk you through the process to make it smooth and stress-free.


    -Sales contract with original signatures, along with a copy of the earnest money check
    -Complete address for each residence you’ve resided at during the past 24 months-For renters: landlord information (name, address, and phone)
    -Names, addresses, and phone numbers of all employers for the past two years-Relocation: Copy of employer’s relocation agreement
    -Copy of DD214s and certificate of eligibility
    -Past two years W-2 or 1099 forms
    -Last 30 days pay stubs
    -Self-Employed: Past two years complete tax returns
    -Award letters for social security
    -Award letters for retirement/pension incomes
    -Court order for child support
    -Two months original bank statement (all pages) on all checking, savings, credit union, and investment accounts (including retirement)
    -Current balance and minimum monthly payments
    -Complete divorce petition, signed, recorded final decree, and/or separation agreement
    -Copies of current leases and tax returns
    -Copy of insurance declaration page
    -Copy of real estate tax bill
    -Copy of mortgage statement if property is financed
    -A copy of the warranty deed and any current mortgage and/or bill payoff information (copies of last statements)
    -A copy of the current tax and home insurance expenses, along with a copy of the survey and owner’s title insurance policy
Call Now ButtonCall Now