More desks, more paths
One application reaches dozens of wholesale lenders, so a decline at one desk is not the end of the file.
What happens next
One process does not fit every mortgage.
The questions, evidence and timing change with the goal. See the work each path requires, what gets produced at every stage, and where a secure application begins.
Why it works this way
More options. Better questions.
Every stage below exists to put your file in front of the desks most likely to say yes, and to show you the terms in writing before you commit.
Terms you can compare
Rate, costs, payment, and our compensation arrive side by side in writing, before you commit to anything.
One team, start to close
The people who take your application are the ones who clear conditions and walk it to the closing table.
Purchase path
From buying plan to closing table.
A research-stage buyer and a buyer under contract need different pacing. We identify the stage first, then assemble the file around the property and deadline.
Build my purchase plan Read the purchase financing guide- Start
Define the buying plan
Confirm timing, target area, occupancy, price range, down payment and current housing.
Output: A routed purchase scenario
- Next
Complete the secure application
Identity, employment, income, assets and liabilities move into the mortgage point of sale after you choose to proceed.
Output: A complete application file
- Before offers
Review buying power
A licensed loan officer reviews documentation, credit authorization and available program structures.
Output: A written next step or preapproval path
- Under contract
Verify the property
The team coordinates disclosures, appraisal, title, insurance and outstanding underwriting conditions.
Output: A condition-ready loan file
- Closing
Confirm final terms
Review the Closing Disclosure, required funds and signing details before the scheduled closing.
Output: Signed closing documents
The last stage
Funding is the paperwork. This is the day.
Every stage above exists to get here without a surprise in the final week. The team that opened your file is the team that clears the last condition.
This is not a commitment to lend or an offer of credit. All loan approvals are subject to credit review, underwriting, and property evaluation. Programs, terms, and conditions are subject to change without notice.
Intel Loans, Inc., NMLS #2858705. Licensed in Florida. Verify our licensing at nmlsconsumeraccess.org. Equal Housing Opportunity.