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Our Mortgage Process from Start to Finish

NL West - Loan Line Up (ESP)

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Apply Online Pre-Approval Begin Home Search Loan Submitted to Processing Clear to Close

Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you’d like to purchase, make an offer, and come to an agreement with the seller, we will submit your loan to our processing team.

This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.

Apply Online

After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.

Pre-Approval

The loan approval is the start of the home buying experience. Give us insight on your financial situation and determine exactly how much we are willing to lend. Don’t waste your time looking for a home before being pre-approved. Get pre-approved today!

Begin Home Search

Once pre-approved, you’re ready to shop confidently for your home. This is the most exciting part of buying a home! What are you looking for? White picket fence? Wrap around porch? An oversized yard? There are plenty of options to choose from and you don’t need to do it alone!

Loan Submitted to Processing

Once your loan is submitted to processing, they will work together with you and your loan officer to obtain all necessary documents to get you cleared to close. During this time, borrowers will be required to fulfill any conditions set by their lenders. Once completed, the loan can be passed onto the closing department.

Clear to Close

After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.

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98% Customer Satisfaction

fanie & freddie mac mortgage approved direct lender

Fannie & Freddie Approved Direct Lender

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24 Hour Pre-Approval Target

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