From pre-approval to keys in ~21 days.
A clear, day-by-day walkthrough of every step in a Colorado mortgage — what we do, what you do, and what each stage delivers.
Pre-approval
We collect your basic docs (ID, pay stubs or self-employed income, bank statements) and pull credit. Our team runs your file through underwriting and issues a real pre-approval letter — not just a quick desktop check.
House hunting
You shop with your Realtor knowing your exact max budget and monthly payment. We're on call to update your pre-approval letter for specific offers, run quick payment comparisons, and answer financing questions in real time.
Offer accepted → loan application
Within 24 hours of acceptance we lock your rate (or float it if you choose), order the appraisal, and submit your full loan file. You'll sign initial disclosures the same day.
Processing & appraisal
Our processor verifies employment, gathers any remaining docs, and coordinates with title and the appraiser. You should expect 1–2 short doc requests during this stage — most are quick (latest pay stub, updated bank statement).
Underwriting & conditions
An underwriter reviews everything and issues conditional approval — usually a short list of items (insurance binder, final pay stub, source-of-funds letter). We clear conditions and move to final approval ("clear to close").
Closing
Title sends you the final Closing Disclosure (CD) at least 3 business days before closing. You wire your cash to close, sign at the title company (or remote online notary), and get the keys — same day.
What to do — and what NOT to do — during your loan
Job changes mid-loan can require re-underwriting.
Anything over ~50% of monthly income needs a paper trail.
Even a small new credit line can crater your DTI and re-pull triggers.
Every transfer requires a source document — keeps closing simple by leaving funds put.
Wait until after closing for the new car or appliance buy.
Mortgage process FAQs
How long does the mortgage process take in Colorado?+
From accepted contract to keys, typical Colorado closings run 21–30 days. Cash-out refinances and Non-QM loans run 25–35 days. We routinely close conventional purchases in under 21 days when timelines are tight.
What documents do I need to apply?+
ID, last 2 pay stubs, last 2 years W-2s (or 2 years tax returns if self-employed), last 2 months of bank statements for every account you'll use for down payment or reserves, and the signed purchase contract once you have one. We send a clean checklist when you start.
When do I lock my interest rate?+
Most borrowers lock at contract acceptance (Day 0). Locks run 30, 45, or 60 days depending on closing timeline. If rates drop materially during your lock, ask us about a one-time float-down — many of our investors allow it.
When do I need to wire my down payment?+
1–2 business days before closing. Title will email wire instructions directly — always call to verify before sending. Wire fraud is the single biggest scam in real estate; we'll walk you through verification.
What can delay closing?+
The top three: (1) opening new credit lines or making big purchases during the loan (don't!), (2) gift funds without a proper paper trail, and (3) appraisal coming in low. We flag risks early so they don't surprise you at the finish line.
Let's get Day 1 on the calendar.
Underwritten pre-approval in 24 hours from a local Colorado lender.