Client Resources
Everything you need to navigate your loan — from your first question to closing day. Bookmark this page; we’ll keep it updated as you move through the process.
Kelvin Caiati
How the Loan Process Works
From your first call to your closing handshake — here’s exactly what to expect at every stage.
Pre-Approval
We review your goals, finances, and credit to determine how much you qualify for. You receive a pre-approval letter you can use when shopping for a home.
1–2 daysHome Shopping & Offer
Work with your real estate agent to find your home. Once your offer is accepted, send us the executed purchase agreement and we’ll move into the formal application.
VariesLoan Application & Disclosures
You’ll receive your Loan Estimate within three business days. We lock your rate, finalize your loan program, and you sign initial disclosures.
3–5 daysProcessing
We gather your documentation, order the appraisal, and request title work. You may be asked for a few additional items as the file is prepared for underwriting.
1–2 weeksUnderwriting & Conditional Approval
The underwriter reviews everything and issues a conditional approval — a short list of final items needed to clear to close. We handle most of these for you.
1–2 weeksClosing Day
You receive your Closing Disclosure at least three days before closing. You sign your final docs, the loan funds, and you get your keys. Welcome home.
What to Have Ready
- Last 2 years of W-2s (or 1099s if self-employed)
- Most recent 30 days of pay stubs
- Last 2 years of federal tax returns (all schedules)
- Most recent 2 months of bank statements (all pages)
- Retirement & brokerage account statements
- Documentation for any large recent deposits
- Government-issued photo ID
- Social Security number
- Purchase agreement (once accepted)
- Homeowner’s insurance contact
Mortgage Terms, Translated
- APR vs. Interest Rate
- The interest rate is what you pay on the loan itself. APR includes the rate plus fees, giving you the true cost of borrowing year over year.
- Escrow
- An account that holds money for your property taxes and insurance, paid as part of your monthly mortgage so you don’t get hit with a big annual bill.
- PMI (Private Mortgage Insurance)
- An added monthly cost required when your down payment is less than 20%. It protects the lender — and drops off automatically once you reach 22% equity.
- Discount Points
- An upfront fee you can pay to permanently lower your interest rate. Worth it if you plan to keep the loan long enough to recoup the cost.
- Loan Estimate & Closing Disclosure
- Two standardized federal forms. The Loan Estimate comes within 3 days of application; the Closing Disclosure comes at least 3 days before you sign.
Start Your Application
Begin your secure online application and get pre-approved.
Book a Call with Kelvin
Have questions before you apply? Set up a quick conversation.
Loan Calculator
Run the numbers on different home prices, terms, and down payments.
Active Client Portal
A secure space for current clients to check loan status, upload documents, and access closing materials — coming soon.