District Lending Process Overview
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Start
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Pre-Approval
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Offers
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Lock rate
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Close
Start
You decide to buy a new home!
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
Get Pre-Approved
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
Make Offers
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
Lock in your interest rate
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
Close On Your Home
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!
Congratulations! You are a brand new homeowner.
Thousands of loan products
Close as fast as 10 days
Low rates
Free quote with no credit check
1-hour pre-approvals
Ultra fast underwriting
Know exactly what to expect from your loan
Get a free loan quote today and leave the guesswork behind.
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- No commitment.
- No fine print.
