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Mortgage Process
Obtaining a Loan in 5 Steps

Step 1 - Talk to a Loan Officer

Your first step should be to talk to a mortgage loan officer. This professional will help you determine how much you qualify for and your financing options. There are many different loan products available so the loan officer can match your situation to the best loan for you. 

Step 2 - Submit an Application

​Complete your mortgage application at your convenience through an online application. Most lenders offer on-line applications as an easy place to start. This allows them to get all of the pertinent information directly into their system.

Step 3 - Pre-Approval Letter

Your lender will provide your Realtor with a pre-approval letter to submit with the offer.

*This is important to have ready prior to looking at homes as it will be submitted with the offer and prove to the seller you have the funds ready to purchase the home.

Step 4 - Work Together Through Final Approval

After your offer is accepted, your loan officer will work closely with you and your Realtor to ensure you move through the process checkpoints to final approval.

Step 5 - Close on your Loan

Prior to loan closing, your loan officer will review the Closing Disclosure with you. This document tells you the exact funds needed and documentation to bring to closing with you.

​On closing day the final documents are signed at the title company and you receive keys to your new home!

If you're looking for a mortgage loan check out who we recommend. 

Reliable Resources

If you're looking for quotes on on mortgage rates. 

Mortgage Marketplace

Contact Us


Kyle Fulton 
​The Warfield Group
Call/Text: 651-295-2690
Email: [email protected]
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  • Home Search
  • Buyer
    • Buyer
    • POWER Buyers Report
    • Market Status
    • Why Use a Realtor?
    • Reliable Resources
    • The Mortgage Process
    • Mortgage Rates
    • Wedding to House
  • Seller
    • Seller
    • POWER Sellers Report
    • Market Status
    • Why Use a Realtor?
    • Preparing Your Home to Sell
    • Reliable Resources
  • My Story
  • Toolbox
    • Toolbox
    • Reliable Resources
    • Schools
    • Demographics
    • FAQ
  • Contact
  • Video
  • New Page