Easy Steps to Buying a Home
1. Complete the Application
1. Complete the Application
1. Complete the Application
Apply Here and in less than 5 minutes, our simple Loan Application will collect your information to start the easy process.
2. Upload Documents
1. Complete the Application
1. Complete the Application
After submitting your Loan Application, the next step is to upload your initial documents, so that we can work on your Pre-Approval Letter.
3. Receive the Pre-Approval
1. Complete the Application
3. Receive the Pre-Approval
After reviewing your initial documents, you will receive a Pre-Approval Letter from us and an official Loan Estimate (LE) for your review.
4. Go Under Contract
5. Get Homeowners Insurance
3. Receive the Pre-Approval
Now it's time to house-hunt! Working with your Realtor or one of our FreshWater Realtors, go Under Contract on the Home of your dreams!
5. Get Homeowners Insurance
5. Get Homeowners Insurance
5. Get Homeowners Insurance
Get a quote from Brightway, The FreshWater Agency! We have the best rates and will get you the deal you've been looking for.
6. E-Sign Disclosures
5. Get Homeowners Insurance
5. Get Homeowners Insurance
Once we receive your fully Executed Contract from your Realtor, we will lock your rate and send you Loan Disclosures for you to e-sign.
7. Conditional Approval
7. Conditional Approval
7. Conditional Approval
Our Underwriters will review the information you provide, and they will issue a "Conditional Approval." More documents may be requested.
7. Clear to Close
7. Conditional Approval
7. Conditional Approval
When our Underwriting department clears all Loan Conditions, you'll receive your Clear to Close. Congratulations!