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Summit Mortgage Group
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Simple and straightforward

Your Mortgage Process Journey

At Summit Mortgage Group, we make the path to homeownership clear and manageable. Here are the key stages of the mortgage process, from your initial application through to closing day.

  1. Apply

    Day 1

    Start your journey by completing our online application. Share your income, asset, and credit information. Most borrowers finish in just 15 minutes.

  2. Pre-Approval

    1-3 days

    We review your documents and issue a preapproval letter. This shows sellers you're a serious buyer and gives you a clear budget to work with.

  3. Find Your Home

    Varies

    Now you can shop confidently within your approved budget. Make an offer on the right property and send us the accepted purchase contract.

  4. Underwriting

    2-3 weeks

    Our underwriter verifies every detail of your file while the property appraisal and title work happen in parallel. You may receive a few follow-up questions—that's completely normal.

  5. Close

    Closing day

    Review your closing disclosure, sign the final paperwork, and get the keys to your new home. Congratulations!