working with your Pioneer home Girls

Let's Walk Through the Loan Process Together

Based on a 30 year fixed conventional mortgage 

Begin Here


The mortgage application starts with collecting fundamental details about your financial situation. This typically includes personal information such as your Full name, Date of Birth, Social Security number, and current address. Plan to divulge current employment, any additional income sources, and any assets such as savings, investments, or retirement accounts. We will have certain documentation we will ask for before continuing with the mortgage process.

i can help because i've been there

Here to guide you through every step 

Loan estimate creation and review

During the loan estimate and review stage, we prioritize transparency and clarity to ensure a smooth experience for you. You can expect a detailed breakdown of estimated costs associated with your loan, including interest rates, closing fees, and other relevant expenses. Our dedicated team will address any questions or concerns you may have. 

Home owners insurance

Homeowners insurance

Homeowners insurance is designed to protect your home, its contents, and your personal liability. In the event of unexpected incidents like fire, theft, or natural disasters, Homeowners Insurance provides coverage, offering financial protection for your investment.

Get insurance quote

Working with an educated insurance provider gets quotes from different insurance providers to find the best coverage at a reasonable cost. They should inform you  about your different coverage options, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses. coverage.

An appraisal is an assessment of the property's value conducted by a professional appraiser. The appraiser visits the property and evaluates its condition, features, and location. They compare the property to similar properties in the area to determine its market value.


Inspections are a closer look at the property's condition to identify any potential issues. Inspections help you uncover any hidden problems with the property before you finalize the purchase. Remember, both the appraisal and inspections are safeguards to ensure you're making an informed decision and that the property meets certain standards.

You don't have to do this alone


The results

Loan Submission and Underwriting

Underwriting is the process where a lender assesses your loan application to determine if you meet their lending criteria and if the risk is acceptable.

Many lenders use a computer-based system called an Automated Underwriting System (AUS) to evaluate your application.

The system verifies your income and employment to ensure you can afford the loan. AUS calculates your Debt-to-Income Ratio (DTI) which checks if your monthly debts are within acceptable limits compared to your income.

Based on the AUS findings, you might receive a conditional approval. This means you're tentatively approved, pending the fulfillment of specific conditions.

Once the underwriting process is complete and all conditions are met through document submission, you move to the closing phase.

You'll receive a finalized Closing Disclosure, meticulously balanced by both the title company and lender and approved by your mortgage loan originator. We'll thoroughly review this document with you which breaks down your monthly payment and providing clarity on associated closing costs and fees.

Closing Disclosure Review and Closing

This could be you....

At this point, the lender's underwriters review your application and provide a list of necessary documents they will need to finalize the loan. We'll work closely with you to collect these documents and submit them along with the appraisal report for a thorough underwriting review.

Conditional Approval:  Additional Documents &
Appraisal Received

Closing Day!!

We typically convene at the title company, where you will sign all closing documents. This crucial step concludes with you receiving the keys to your new home, marking the exciting moment of homeownership! During the closing, any outstanding financial details are settled, and the property officially changes hands. It's a significant milestone!


Book Your Consultation

Are you ready to embark on your next home purchase journey? Look no further than Pioneer Home Girls for unparalleled white-glove service that guides you every step of the way. Whether you're a first-time homebuyer, seasoned investor, or anywhere in between, we are committed to making your homebuying experience smooth and stress-free. Reach out to us today to begin your exciting journey towards homeownership!

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Pioneer home girls

- Your home girl team

“If you're On the fence, let me just say this is the absolute best decision you can make.”