Mortgage Process

Pre-Approval

Contact us by phone, email or in-person. We review income, assets and your current credit details. We help determine how much mortgage you qualify for, and what the estimated payment would be. Feel confident – we will provide you with a pre-approval letter you can depend on.

Housing Search

Search for the perfect house and make an offer with confidence because you have a pre-approval letter from Lake Mortgage. Local sellers will choose your offer over many others because local sellers know and trust Lake Mortgage!

Loan Processing

Provide us with a copy of your purchase agreement and requested financial documentation. We provide you a loan estimate and you tell us to help you get to final approval and clear to close. We order an appraisal and share with you the results.

Final Underwriting

Your file is given one last review. It won’t be long now.

Loan Approval

Your loan has been approved! We share the good news with you and your real estate agent.

Clear to Close

Our closing department tells you the first day you can close. You choose a closing date. We provide you with a closing disclosure so you know exactly how much to bring to closing. We help you prepare for closing day.

Closing Day

Arrive at the title company office. We will already be there waiting for you. Sign closing documents. You receive the keys to your new home. Congratulations!