Step 1) Complete a Full Application

  • Online (click here)
  • Over the phone (303-578-9202)
  • In person (1200 Arapahoe Avenue, STE 200, Boulder, CO 80302)

Step 2) Gather loan documents

  • Email
  • Fax
  • Deliver in person

Step 3) Sign disclosures (this should be completed within 3 days of the mortgage application)

Step 4) The loan is locked with the bank at a specific interest rate. (15-75 day locks available)

Step 5) Appraisal is ordered

Step 6) Loan is submitted to underwriting

Step 7) Bank approves/denies the loan

Step 8) Loan conditions are fulfilled. (Additional documentation is usually required)

Step 9) Loan is scheduled to close.  Loans can be closed at a title company or at the borrower’s residence (if a refinance).