District Lending Process Overview

Start

You fill out Our online loan application and connect with one of our Client Advisors, who will:

Learn More about what your goals are and answer any questions you have
Structure your loan to your liking and give you different options to choose from
Will be able to provide insights into current market and strategies to help you win
Provide you with a secure online portal to gather documentation needed for pre-approval

Step 2

We will review your loan application and supporting documentation, in order to:

Make sure you are 100% qualified with no outstanding issues, to avoid any surprises once you are in contract
Issue a pre-approval letter
Provide cash to close, rate and payment information to make sure you're good with everything

Step 3

You’ll shop for homes with your Real Estate Agent, who will help you:

Locate the best home for you. Negotiate on your behalf the best deal possible
Get you under contract on the terms you want
Schedule inspection, coordinate earnest money deposit, coordinate with lender on new contract

Step 4

Your Real Estate Agent sends us your ratified purchase contract and we:

Update your loan to match the purchase contract
Shop multiple lenders for best rate and costs. Lock your loan in to avoid rates increasing
Coordinate Appraisal
Email your disclosures at agreed upon rate & cost

Step 5

As soon as your disclosures are signed, you’ll be introduced to your Closing Processor, who will:

Submit loan for approval with underwriting
Once approved we will walk you through any loan conditions/documentation required
Once the loan is clear to close we will coordinate closing with you and notary.
Make sure your loan funds on time!