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Mortgage process step #1

Documentation Stage

Greetings and welcome to the initial phase of the mortgage journey!

The initial phase of the mortgage process involves the documentation stage. Here, we carefully assess your income, assets, employment history, and other relevant factors to gauge your capacity to repay a mortgage loan.

This stage is also a chance for you to evaluate how a new mortgage will affect your overall financial situation, helping you select a loan amount and mortgage program that align with your comfort level.

Our aim is to secure swift approval. By diligently organizing your paperwork, we can expedite the approval and funding process for your loan. The more thorough you are in your preparation, the quicker we can progress together towards achieving approval and funding for your mortgage.

Mortgage loan process

Step 1: Documentation

Step 2: Appraisal

Step 3: Underwriting

Step 4: Conditional Approval

Step 5: Clear To Close

Step 6: Closing

Feel free to contact us anytime with questions about your loan status or next steps.

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Approval Pitfalls

We advocate that effective communication is vital for a seamless mortgage process, and we are committed to guiding you every step of the way, from inception to closure.

Although several factors beyond your influence may potentially impede or delay the closing of a home loan, the subsequent list will assist you in maintaining the correct course.


  • Maintain your records in good condition.
  • Keep your financial documents readily accessible.
  • Be mindful that we require verification of income documents.
  • Retain bank statements.
  • Preserve paystubs.


  • Apply for additional credit
  • Consider job changes while in progress.
  • Ensure there is proper documentation for bank deposits.
  • Inform us before settling debt, charge-offs, or collections.
  • Don’t hesitate to contact us with any questions or concerns.

While you are in the process of getting a new mortgage, keep your financial status as stable as possible until the loan is funded and recorded. Any number of minor changes could easily raise a red flag or cause a negative impact on a credit score, and we want to do everything we can to avoid a denied loan.

A few documents we’ll likely need to review include:

Income / Assets:

  • W2 forms from the previous two years.
  • Federal tax returns (Form 1040) from the past two years.
  • Two recent bank statements – all pages
  • Self-Employed: K1 / 1099 / Profit and Loss YTD


  • Addresses for the last two years, including both current and previous residences.
  • For renters: Provide the names and phone numbers of landlords.
  • For investors: Submit copies of lease agreements for rental properties.


  • Copy of your driver’s license or state-issued ID for all borrowers

There may also be required documents we may need to review depending on your specific scenario.

Ready to learn more?

Go back to see the overall mortgage process.

Learn about the next step in the mortgage process.

Ready to get started?
Apply now or request a quote today!