When your ready to take the first step to buy a home or refinance apply online to get pre-approved.  For home purchases, realtors require a pre-approval letter before you can schedule a showing or make an official offer. Don’t worry about what loan to choose, we will help you choose the one that benefits you the most. 

When you apply online you can securely upload the documents needed for pre-approval: 

-2 years of tax returns with W2’s
-30 days worth of paystubs
-30 days worth of bank statements 

With your pre-approval letter in hand start searching for the perfect home that fits within your pre-approval terms.  Once you find the house of your dreams, make an offer and write a up a contract.  We always advise to also include subject to financing and satisfactory home inspection in your contract. Once you’re satisfied with the terms of your contract get the signed copy to us to begin the loan process. Your pre-approval is good for 120 days so you will want to try to close the loan before it expires. Keep in mind as we go along to get any needed documentation or disclosures returned to Metro as soon as possible.  

STEP 3: Review and Sign your Initial Disclosures 

Once we have received your fully executed contract, we will send you disclosures outlining the terms of your loan and the estimated costs associated with closing the loan. Review it and reach out to us with any questions you might have. Once you're happy with it, sign it and get it back to us as soon as possible.

STEP 4: Appraisal, Title Work, and Underwriting 

After you return all the initial disclosures the processor will order an appraisal, title work and start on getting other items needed for the loan. The underwriter will review your loan and all the pending items to make sure they meet all the requirements for the loan. If necessary, your lender will reach out to you to gather any additional items the underwriter might need for final approval.  

Once you have satisfied all the underwriters stipulations and they have signed off on the file it will be sent to the closing department. You’ll receive your initial Closing Disclosure (CD) and at least one final CD that details all the costs associated with your loan and how much cash is required to close (if any). After you have reviewed each disclosure and agree to the them, sign and return them to us as soon as possible. Once everything is signed and completed it’s time to schedule your closing at the title company. 

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