Loan Process | EZ Access Mortgage LLC

The Mortgage Loan Process: Step-by-Step

This process can take 30–45 days from application to closing, but timelines can vary depending on the complexity of the transaction. We work with you, your real estate agent, and the mortgage company to help guide you through each step smoothly. Here’s a quick overview of what to expect:

Get Pre-Approved

Review credit, income, assets, and debts to determine affordability and strengthen your home offer.

Apply for the Loan

Once your offer is accepted, fill out the mortgage application with your financial and home information.

Loan Processing

The lender verifies your documents, orders an appraisal, and prepares for underwriting.

Underwriting

An underwriter reviews your finances and appraisal, requesting additional documents if needed.

Loan Approval & Closing Disclosure

After approval, you'll receive a Closing Disclosure with loan terms and costs three days before closing.

Closing Day

Sign the final documents, pay closing costs, and receive your keys. Welcome to homeownership!