Four steps. One point of contact.
From the first conversation to funding, you deal with Troy. Here is what happens at each stage, what to have ready and what you will hear from him along the way.
The four steps
Talk with Troy
A short call about the property, the goal and how you earn. He tells you which programs fit before you send a document.
Pre-qualification
Credit, income and assets reviewed by Troy, then a written estimate and, for buyers, a pre-approval letter sized to the offer you want to make.
Processing & underwriting
The appraisal is ordered, conditions are cleared personally and you hear about every milestone from him.
Closing & funding
Signing is scheduled around you, with a mobile notary where available. Troy coordinates escrow so the loan funds on the date you planned.
Each step, in detail
The sequence is the same for a purchase, a refinance or an equity loan. The documents and the timeline change with the program.
Step one: the first call
Fifteen minutes, no credit pull, no obligation. You describe the property, what you want to do and how you earn. Troy names the programs that fit, the ones that don’t and why, and gives you a short list of what to send. If the honest answer is to wait or to do something else, you hear it here.
Step two: pre-qualification and the written estimate
With your permission Troy pulls credit and reviews the income and asset documents you sent. You receive a written estimate with every cost itemized and, for buyers, a pre-approval letter that Troy himself has reviewed. Listing agents who call the number on the letter reach the person who wrote it.
Step three: processing and underwriting
Troy orders the appraisal, submits the file and clears the conditions personally. You hear when the appraisal is scheduled, when it comes back, when the file is approved and what, if anything, is still needed. Nothing is discovered late.
Step four: closing and funding
Signing is scheduled around your calendar, at home where a mobile notary is available. Owner-occupied refinances include a three-business-day right to cancel after signing. Troy coordinates with escrow and the current servicer so the loan funds on the date you planned.
What to have ready
Troy gives you the exact list on the first call. This is what it usually includes, so you can gather everything once.
- Two years of W-2s or tax returns, or 12 to 24 months of bank statements if self-employed
- Recent pay stubs and two months of bank or asset statements
- Photo identification
- For a refinance or equity loan: your current mortgage statement and insurance declaration
- For VA: discharge papers or a statement of service
- For a rental: the lease, if one exists
Questions about the process
How long does it take from application to funding?
Typically a few weeks for a purchase or refinance, depending on the appraisal and how quickly documents arrive. Some programs move faster. Troy sets a realistic timeline on the first call and tells you if anything changes it.
Will anyone else contact me?
Escrow and the notary will reach out to schedule the signing, and the appraiser will arrange access to the property. Everything else comes from Troy.
What if the appraisal comes in low?
Troy walks the report with you and lays out the options: renegotiate, bring the difference, restructure the loan or dispute the value with evidence. There is no single answer, and he will tell you which one fits.
Can I lock my rate?
Yes. Once the file is set, Troy explains the lock period and any float-down options so you can decide when to lock with the whole picture.
Start with step one.
A conversation with Troy costs nothing and comes with no obligation.