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Phase 1: PRE-APPROVAL Starts with your loan application and wraps up with you receiving a Pre-Approval Letter or Notice of Denial. read more about pre-approval Phase 2: PROCESSING Starts after you’ve found a house and we’ve received your signed sales contract indicating you would like to proceed with financing. If refinancing, this step begins immediately after pre-approval. Processing concludes when we receive Final Lender Approval and "Clear to Close" for your loan. read more about processing Phase 3: CLOSING & FUNDING Starts when the closing documents are sent to the title company and concludes when you sign the loan documents at the title office and they receive the wire, funding your loan. read more about closing
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