Step 1: Pre-Qualification

A quick snapshot of your financial picture to estimate how much you can afford. Not a guarantee, but a great starting point.

Step 2: Mortgage Pre-Approval

This step is essential in the competitive DFW luxury home market. Your lender will verify your financials and issue a pre-approval letter—giving you stronger negotiating power.

Step 3: Home Shopping & Offer

With financing in place, we’ll tour luxury listings that match your criteria and budget. When you find “the one,” we’ll make a strong, strategic offer.

Step 4: Loan Application

Once your offer is accepted, the full mortgage application is submitted, including all required documentation.

Step 5: Appraisal & Underwriting

The lender will appraise the home to confirm its value and conduct underwriting to verify your financial qualifications.

Step 6: Final Approval & Closing Disclosure

Once approved, you’ll receive a Closing Disclosure at least three days before closing. This outlines your final costs.

Step 7: Closing Day

You’ll sign documents, pay any final costs, and receive the keys to your new DFW dream home.

Let’s make your loan process as seamless as possible—luxury real estate is my specialty.