Our Process
What to Expect During
the Mortgage Process
At Rockford Mortgage Group, we make sure your mortgage journey is smooth, transparent, and efficient. Below is an overview of the steps we take to secure the best loan for you.
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1. Collecting Information
2. Appraisal, Title Search, & Inspection
3. Underwriting
4. Closing on the Loan
5. Happy Customer
Step 1: Gather Financials
The first step in our process is getting to know you and your financial situation. We collect all necessary information about your income, assets, credit score, and the type of loan you’re seeking. This allows us to match you with the best mortgage option. Our team takes pride in handling this step with care, ensuring all details are gathered quickly and accurately.
Milestones
- Application completed
- Personal and financial details verified
- Receive and compare loan options
Step 2: Appraisal, Title Search, & Inspection
Once we’ve gathered your information, we initiate the appraisal of the property. We also conduct a thorough title search to ensure that the property is free of any legal complications, liens, or claims. Additionally, a home inspection is scheduled to assess the condition of the property. This step is crucial in providing transparency and protection for both you and the lender.
Milestones
- Property appraisal
- Home inspection
- Title search
Step 3: Underwriting
Next, we move into underwriting, where our experts review your application in detail. The underwriter assesses your financial profile, evaluates the appraisal report, and verifies all the provided information. This is where the final approval decision is made. We keep you informed every step of the way, making sure you’re never in the dark during this critical stage.
Milestones
- Lock your interest rate
- Receive loan approval
- Schedule your closing date
Step 4: Closing on the Loan
Once your loan is approved, it’s time to close. We prepare all the necessary documents and guide you through the final signing process. Our legal partners at Rockford Partners ensure that all contracts are fair and protect your interests. At this stage, you’ll receive the final loan terms and conditions before officially becoming a homeowner.
Milestones
- Receive closing disclosure
- Review closing costs and funds needed
- Sign documents and take ownership
Step 5: Settle in and Relax
After the loan closes, you can relax and enjoy your new home! Our relationship doesn’t end here; Rockford Mortgage Group remains a resource for all your future mortgage and refinancing needs. We measure our success by your satisfaction, and we’re always here to help
Milestones
- Unpack, organize, and settle in
- Meet your new neighbors
- Celebrate with friends and family
Ready?
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Avoid home buying delays by getting approved with a lender you can trust before you start your home search. Already found your dream home? Take the next step and find the right mortgage for you.
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Need guidance that only a mortgage expert can give you? We’ve got your back. Connect with one of our experienced loan officers to start your mortgage process off on the right foot.