Understanding the Mortgage Journey from Start to Finish
A Clear and Simple Guide to Every Step of Your Home Financing Experience
STEP BY STEP MORTGAGE PROCESS
Consultation
Talk to one of our licensed mortgage loan officers to discuss homebuying options.
What’s needed get pre-qualified?
- Assets
- Bank Statements Income
- Pay Stubs
- Tax Returns
- Identification
Applying For A Loan
Discuss with your Loan Officer what product fits your needs.
Loan Options
Loan Options (rate, term, product, payment options) We’ll explain the process and collect needed documents.
WHAT TO EXPECT
Underwriting Prep
Loan application & documentation is prepared for Underwriting.
You may need to supply:
- Proof of Income & Assets
- Purchase Contract
- Appraisal
- Credit Reports
- Employment Verification
Mortgage Approval
Once you've applied, the approval process will begin.
Step By Step:
- Document Submission
- Thorough Review
- Risk Assessment
- Conditional Approval (if applicable)
- Risk Assessment
Underwriting
The underwriting team will review your finances and make a decision.
The Process:
- Credit Review
- Income Verification
- Debt-to-Income Ratio Assessment
- Property Appraisal Review
- Risk Assessment
Cleared To Close
You're almost there! Once your underwriter confirms all conditions are met, they'll issue the "clear to close." This means your loan is officially approved, and you can schedule your closing.
- Final Review
- Loan Approval
- Closing Preparation
Closing Day: The Final Step
It's time to make your homeownership dream a reality! On closing day, you'll meet with a title company representative to review and sign all necessary documents. Once the transaction is finalized, you'll receive the keys to your new home.
Congratulations! Enjoy your new space!
Building Trust, One Loan at a Time
Shella was nothing short of amazing! Each and every employee at Texas Lending Solutions went above and beyond for the entire loan process! We looked at the home on March 2nd and we closed on March 28th! We hadn’t even been pre-approved or anything. How’s that for a fast turn around? Any questions we had, their staff didn’t hesitate to respond to, or find someone who could. What an awesome home buying experience!
MEAGHAN B.
Dallas
Paul reached out to me when the rates were really low. We had spoken a few years ago when I bought this home with a 30-year mortgage. He found a way I could get a new 20-year mortgage which effectively eliminated 8 years of payments! Paul is a professional who knows his stuff. His team are thoughtful and amazing. I highly suggest using Texas Lending Solutions for your new home or refinancing needs.
JENNIFER H.
Houston
I am a first-time home buyer and was very unsure of how the process of buying a house would be but Jimmy is very knowledgeable and answered any questions I had. He is very kind and understanding which gave me confidence in buying a house. I am so lucky that I was able to work with Jimmy and I highly recommend him thank you so much, Jimmy for giving me a great experience.
MARISELA H
Austin
DOWNLOAD YOUR STEP BY STEP GUIDE OF THE MORTGAGE PROCESS
Ready to take the next step toward homeownership? Our detailed guide walks you through the mortgage process, from application to closing. Download your free copy today to learn what to expect at every stage and how to prepare. Whether you’re a first-time buyer or refinancing, this guide ensures you’ll feel confident and informed. Get started now and move closer to achieving your homeownership goals.
LETS START THE CONVERSATION
At Texas Lending Solutions, we’re dedicated to guiding you through every step of the mortgage process. From pre-approval to closing, our team is here to provide expert advice and support. Let us help you turn your dream home into a reality.