Mortgage Life Cycle

A simple overview of the steps from pre-approval to funding.

Samples

What is it?

A guide to the stages of a mortgage file, including what happens behind the scenes and what you can expect next.

Knowing the sequence helps you prepare documents earlier and avoid delays around conditions, appraisal, and closing.

Start early: gather income and down payment documents before you write an offer.

Expect lender conditions after an accepted offer (or when you move past pre-approval).

Keep documents current: many items must be within 30-60 days.

Ask questions early if anything looks confusing.

If you're having trouble locating this document, I can guide you through where to find it.