Clarity and confidence — from Discovery to funding.
I help homebuyers and homeowners navigate the mortgage process with clear guidance at every step. Below is a plain-language overview of how a typical loan moves forward. Program details live on the Mortgage page; when you are ready to talk through your goals, use the links below or contact David.
The six steps
1. Discovery
We start with a Discovery Meeting. I ask specific questions in a specific order to learn as much as possible about you, your goals, timeline, and the property or equity scenario. Then I use my tools and resources to search the market and identify the financing paths that best fit — before anything is formally submitted.
2. Application
Once we have a clear direction, we complete the loan application with the basics of your income, assets, credit profile, and the property scenario. You will know what to expect next before anything is submitted. Ready to begin? Apply Now.
3. Documents
Next comes the paperwork that supports the application: income and asset statements, identification, and any property-related items needed for your loan type. Clear requests and organized follow-up keep this stage from feeling overwhelming. You can upload items securely via Attach Document.
4. Underwriting
The lender’s underwriting team reviews the full file against program guidelines. They may ask for clarifying items. Transparent communication during this stage helps you stay informed and move forward with confidence.
5. Clear to Close
When underwriting conditions are satisfied, the loan is cleared to close. You will receive closing disclosures and final figures to review before signing. Ask questions early — that is part of a smooth closing.
6. Funding
After signing and any rescission or funding conditions are met, the loan funds and the transaction records. For a purchase, that is typically when keys and ownership transfer per the purchase contract and closing instructions.
How I work with you
- Discovery Meeting first — we ask specific questions in a specific order to learn as much about you and your goals as possible.
- Market search with the right tools — I use my resources to search the market and identify the best financing solution to meet those goals.
- Clear guidance through closing — once we choose a path, I simplify the process from application through funding.
Every client’s situation is unique. Whether you are a first-time buyer, refinancing, financing an investment property, or exploring a second mortgage option, the steps above stay the same in spirit — with program-specific details explained along the way.
This overview is educational. It is not a commitment to lend. All loans are subject to credit approval and program guidelines. See Licensing & Disclosures and the site footer for the full compliance statement.