Financing Your New Home

Your Home Loan Journey

Buying a home can feel overwhelming, especially if it’s your first time, but our team is here to guide you every step of the way—from pre-approval to closing. The first step is connecting with a mortgage specialist (or two). If you don’t have someone in mind, we work with some of the most trusted lenders in the industry and are happy to make introductions, so you can feel confident that you’re in good hands throughout the entire process.

Application & Processing

What happens when a loan goes "live"

When you’ve found the right property, your lender will guide you through completing your mortgage application and explain your down payment and fee options. Once submitted, your application moves into processing, where all documents are reviewed and necessary appraisals and title checks are ordered. From there, your loan goes to underwriting for final approval, ensuring everything meets compliance so you can move forward with confidence.

Loan Agreement document on a wooden surface, with bold heading and detailed text below.

Closing

Signing and Finalizing the deal

It’s common to be asked for additional documentation or clarification as you move through the closing process. Once your loan is approved, you’ll need to set up homeowner’s insurance. Your documents will then be sent to the title company, where you’ll review and sign everything, as well as pay any remaining costs. After the loan is recorded, the keys are officially yours—and your new chapter as a homeowner begins.

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Rebecca Cullen

CEO & NC/SC REALTOR® | Cullen & Company | Keller Williams Luxury

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