Your Path to Homeownership
We've streamlined the mortgage process to make your Fort Collins home purchase or refinance as smooth and stress-free as possible. Here's what to expect when you work with us.
Our Simple Process
From application to keys in hand, we guide you through every step of your Fort Collins home purchase.
Pre-Approval
Get pre-approved in as little as 24 hours. We'll review your financial situation and determine how much home you can afford.
- Submit basic financial information
- Receive pre-approval letter
- Understand your budget and options
Home Shopping
Armed with your pre-approval, start shopping for your dream home in Fort Collins with confidence.
- Work with your real estate agent
- Make competitive offers
- We're available for questions
Loan Application
Once you've found your home, we'll complete your full loan application and order the appraisal.
- Complete detailed application
- Submit required documentation
- Order home appraisal
Processing & Underwriting
Our team processes your application and works with underwriting to ensure everything is in order.
- Document verification
- Underwriter review
- Conditional approval
Clear to Close
Final approval! We'll coordinate with all parties to schedule your closing and prepare final documents.
- Final walkthrough
- Review closing disclosure
- Schedule closing appointment
Closing Day
Sign your documents, receive your keys, and celebrate becoming a Fort Collins homeowner!
- Sign closing documents
- Receive keys to your home
- Welcome home!
Typical Timeline
Most mortgages close in 30-45 days. Here's a typical timeline for a purchase loan.
Pre-Approval & Home Shopping
Get pre-approved and start looking for your perfect Fort Collins home.
Pre-Approval & Home Shopping
Get pre-approved and start looking for your perfect Fort Collins home.
Offer Accepted
Your offer is accepted! We begin the full loan application process.
Offer Accepted
Your offer is accepted! We begin the full loan application process.
Appraisal Ordered
Home appraisal is scheduled and completed to verify the property value.
Appraisal Ordered
Home appraisal is scheduled and completed to verify the property value.
Underwriting Review
Underwriter reviews your application and may request additional documentation.
Underwriting Review
Underwriter reviews your application and may request additional documentation.
Clear to Close
Final approval received! Closing documents are prepared.
Clear to Close
Final approval received! Closing documents are prepared.
Closing Day
Sign documents, get your keys, and move into your new home!
Closing Day
Sign documents, get your keys, and move into your new home!
Frequently Asked Questions
Common questions about the mortgage process. Don't see your question? Contact us anytime.
Ready to Get Started?
Begin your journey to Fort Collins homeownership today. Get pre-approved in as little as 24 hours.