From Mortgage Strategy Session to keys in hand.
Nine steps (what happens, what I do, and what you do) so you always know exactly where you are in the process and what’s next.
Step 1. Mortgage Strategy Session
What happens
A short, no-pressure call. We talk goals, timeline, budget, and questions. You leave with a clear picture of your options.
What Keith does
I listen more than I talk, sketch out a couple of program scenarios, and outline what documents we'd need to move forward.
What you do
Show up as-is. No prep required, no docs needed for the first call.
Step 2. Application & document review
What happens
You complete the secure online application. I review your ID, income, and asset documents so we're working with real numbers.
What Keith does
I run the numbers, review your file end-to-end, and flag anything that could cause trouble in underwriting.
What you do
Send documents through the secure portal and answer a few clarifying questions.
Step 3. Pre-approval
What happens
Credit, income, and assets are reviewed against a specific program. You receive a pre-approval letter your agent can use to write offers.
What Keith does
Structure a pre-approval you can actually stand behind, with a max approval and a comfortable target price.
What you do
Share the letter with your agent and start touring homes with confidence.
If credit needs work before we open a file, I point you to people on my Trusted Partners page.
Step 4. House hunting with your agent
What happens
Your agent lines up homes that fit your criteria. We stay in the loop so we can update numbers on any property quickly.
What Keith does
Provide payment scenarios on specific homes so you can compare apples to apples.
What you do
Tour, ask questions, and let us know as soon as one feels like the one.
Step 5. Offer & contract
What happens
Your agent writes the offer. Once accepted, we officially open the file and coordinate with the title company and your agent.
What Keith does
Lock in a plan for the appraisal, inspection contingency dates, and the closing timeline.
What you do
Sign initial disclosures and confirm your closing preferences.
Step 6. Processing & underwriting
What happens
The file goes through processing and into underwriting for a formal decision on your loan.
What Keith does
Package the file cleanly, respond to underwriter questions same-day, and keep you and your agent updated.
What you do
Provide any additional documents quickly if requested.
Step 7. Appraisal & conditions
What happens
The appraisal is ordered on the home. Underwriting may issue conditions to satisfy before final approval.
What Keith does
Coordinate the appraisal, address conditions, and keep the closing timeline on track.
What you do
Keep your financial situation stable. No new debts, no job changes, no large deposits without checking first.
Step 8. Clear to close
What happens
All conditions are satisfied. The lender issues 'clear to close' and final disclosures are prepared with the title company.
What Keith does
Review the Closing Disclosure with you, confirm cash-to-close numbers, and coordinate the signing.
What you do
Review the Closing Disclosure and arrange wire instructions or a cashier's check as needed.
Step 9. Closing table & keys
What happens
You sign at the closing table with the closing attorney. Funds are disbursed and the home records in your name.
What Keith does
Stay available for anything that comes up at signing and follow up after closing.
What you do
Sign, celebrate, and get the keys.
Ready to start step one?
Book your Mortgage Strategy Session. Timelines vary (every situation is different), but you'll always know where you stand.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity