Application → Underwriting → Final Approval → Closing
Track. Examine. Test.
Review. Approve.
Five visible checkpoints, mapped directly to the T.E.T.R.A. framework. You always know where your file is.
Open your file, document your goals, and lock in a baseline. We track every requirement from day one so nothing falls through the cracks.
- Pre-approval letter
- Rate scenario modeling
- Document checklist
Processing examines every document — pay stubs, tax returns, bank statements, title — and prepares a clean package for the underwriter.
- Income & asset verification
- Appraisal ordered
- Title & insurance lined up
Underwriting tests your file against program guidelines and the four foundations. Conditional approval is issued with a clear list of what's needed to close.
- Conditional approval
- Condition list
- DTI / LTV final review
Final conditions are reviewed, cleared, and signed off. Closing Disclosure is prepared and delivered for the legally required review window.
- Cleared-to-close
- Closing Disclosure (CD)
- Final figures locked
Approve and fund. You sign at the table (or remotely), funds wire, and ownership transfers. Welcome home.
- Wire & funding
- Recording
- Keys