Know what happens next.
Six milestones take a mortgage from an early question to closing. The details vary, but the path should stay visible.
From first question to closing.
Explore
Ask general questions, compare the tradeoffs, and decide whether you are ready to apply.
Apply
Complete the application one question at a time. Your progress saves as you go.
Review the estimate
Once the application trigger is met, review the disclosed terms, costs, and timing together.
Document the file
Provide income, asset, identity, and property documents through the secure application flow.
Underwriting
The lender and its underwriting systems evaluate the file. Licensed people remain accountable for the decision.
Close
Review final terms, satisfy remaining conditions, sign with the settlement team, and complete the transaction.
When an application begins
For most mortgages covered by the federal Loan Estimate rule, the trigger is receipt of six pieces: name, income, Social Security number to obtain credit, property address, estimated property value, and loan amount sought.
A quick inquiry stays short of that set. It does not authorize a credit check, approve a loan, or lock a rate.