1. Pre‑Qualification
The first step is understanding how much home you can afford. During pre‑qualification, we review basic financial information such as:
This helps us estimate your buying power and recommend the best loan programs for your situation.
Click here to Pre-Qualify.
A pre‑approval is stronger than a pre‑qualification. We verify your financial documents and issue a pre‑approval letter you can use when making an offer.
You may be asked to provide:
A pre‑approval shows sellers you’re a serious, qualified buyer.
Once you’re pre‑approved, you can shop for homes with confidence. When you find the right property, your real estate agent will help you submit an offer along with your pre‑approval letter.
After your offer is accepted, we finalize your loan application and provide required disclosures. These documents outline:
We review everything with you so you understand each step.
Our processing team verifies all information and prepares your file for underwriting. This may include:
We keep you updated throughout the process.
An independent appraiser evaluates the property to confirm its market value. This protects both you and the lender by ensuring the home is worth the purchase price.
The underwriter reviews your full file to ensure it meets loan guidelines. They may request additional documentation — this is normal.
Once approved, you’ll receive a Clear to Close, meaning you’re ready for the final step.
At closing, you’ll:
For refinances, there is typically a short waiting period before the loan funds.
These steps help prevent delays and ensure a smooth approval.
Whether you’re buying your first home, upgrading, or refinancing, our team is committed to making the process simple and stress‑free.
Have questions? Contact ABC United Finance Corp today and let us guide you every step of the way.
