The process
Eight phases. Zero mystery.
Most of the stress in a mortgage comes from not knowing what happens next. Here’s the whole thing, in order, with what Eddie does at each step and when you’ll hear from him.
- Day 1
The conversation
Goals, timeline, budget. Eddie explains what’s realistic and what documents he’ll need — nothing more than that yet.
- Days 1–3
Pre-approval
Income, assets and credit reviewed; a real pre-approval letter issued. This is what agents and sellers want to see with your offer.
- Weeks to months
House hunting
Send Eddie an address and get a payment for that house. Update the pre-approval as your search sharpens.
- Day 0 of the contract
Offer accepted
Eddie coordinates with your agent, locks your rate when you decide to, and orders the appraisal. Full application is completed now.
- Week 1–2
Processing & appraisal
Your file is assembled and the appraisal is completed. Eddie tells you what came back — and what it means — the day it lands.
- Week 2–3
Underwriting
An underwriter reviews everything. Conditions are normal; Eddie explains each one and what to send. No surprises, because you were told what to expect.
- Week 3–4
Clear to close
Final approval. You review the Closing Disclosure with Eddie line by line, in your language, at least three business days before closing.
- Week 4
Closing day
Sign, fund, keys. Eddie stays available after — for the first payment question, the escrow question, and the “should we refinance?” question years from now.
Communication
You’ll hear from Eddie before you have to ask.
Appraisal back? You know that day. Underwriting condition? You know what it is and exactly what to send. Clear to close? First call you get. That’s the standard — in English, Spanish, or both in the same family.
One question. One straight answer.
No pressure, no jargon, no obligation — ask in English or Spanish and Eddie answers in the same language. Text, call, or apply whenever you’re ready.