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Lending Guide

10 Steps: From Pre-Approval to Closing

Pre-Approval Process (Steps 1–5)

1. Initial Consultation – Discuss goals, budget, income, credit, and loan options.

2. Submit Financial Documents – Pay stubs, W-2s, bank statements, ID, etc.

3. Credit Review & Analysis – Lender reviews credit, DTI, assets, employment.

4. Receive Pre-Approval Letter – Shows purchase power and loan options.

5. Start Shopping – Your Real Estate Agent uses this to write strong, competitive offers.

Home Loan Process (Steps 6–10)

6. Offer Accepted & Loan Disclosures – Review and e-sign disclosures.

7. Appraisal & Underwriting – Lender orders appraisal and reviews your full file.

8. Conditional Loan Approval – Provide requested items to clear conditions.

9. Final Approval & Closing Disclosure – Receive your CD (3-day rule applies).

10. Signing, Funding & Keys – Sign at title, loan funds, escrow records, get keys!

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Contact Details

Bardales Real Estate

Phone

(925) 289-8118

[email protected]

Address

231 FIRST ST BENICIA CA 94510 Michael Bardales | CA DRE# 01863221 | NMLS# 387728

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