Our Expert Mortgage Process
Buying a home is typically the most significant financial decision in a person's life, but there's much more to your mortgage than just the numbers.
Meet Tim Humphrey, heading the Humphrey Mortgage Team at NEO Home Loans in Everett, WA. Tim and his team are dedicated to integrating your mortgage seamlessly into both your immediate and long-term financial strategies.
If you're unsure of how the mortgage process works, here's how we do it at the Humphrey Mortgage Team.
Let's Say Hello
Begin your mortgage journey with an introductory email from our team.
Consultation Call
Have a personal initial consultation call with one of our team members to discuss your needs and options.
Submit Your Application
Complete and submit your loan application online to get the process moving.
Processing & Underwriting
Your loan application is processed and undergoes thorough underwriting to ensure everything is in order.
Get Pre-Approved
We will develop a personalized mortgage plan for you and send you a pre-approval letter confirming your loan details.
Document Upload
Use our secure portal to upload all necessary documentation required for your loan.
Conditional Approval
Receive a conditional approval letter that moves you one step closer to your new home.
Home Search & Contract
Find your perfect home and secure a contract to purchase.
Contract Review Meeting
Attend a meeting to review the purchase contract, understand your next steps, and clarify any questions.
Post-Closing
Meet with us after closing to go over homeownership resources and ensure you're set for the future.
Closing
It's closing time! Celebrate your new home and the successful completion of your loan process.
Loan Finalization
Sign the necessary documents as your loan is finalized and approved.
Homeownership Support
Just because your loan is closed, doesn't mean we have to part ways! We will continue to provide ongoing support to help empower your financial future.
