Mortgage Process
At KKSU Mortgage Team, we make home financing simple, transparent, and efficient. To ensure a smooth start, please have all required documents ready upfront — this helps speed up approval and closing.
Step 1: Pre-Qualification & Application
We look at your finances to find the loan options that fit you best.
Step 2: Pre-Approval
Once we have your documents, we verify your income, assets, and credit. You’ll get a Pre-Approval Letter, so you can confidently make an offer on your dream home.
Step 3: Processing & Underwriting
We submit your file for review. The underwriter may ask for a few clarifications, and we’ll guide you every step of the way.
Step 4: Appraisal & Final Approval
A licensed appraiser confirms the home’s value. After final approval, you’ll receive your closing disclosure with all the loan details.
Step 5: Closing
Sign your final documents, get the keys, and celebrate — your new home is ready! 🎉
Documents:
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Income Verification: Recent pay stubs (last 30 days), W-2s or 1099s (last 2 years), and full tax returns if self-employed.
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Assets: Bank statements (last 2 months), retirement or investment account statements.
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Identification: Driver’s license or passport.
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Property Details: Signed purchase contract (for purchase) or current mortgage statement (for refinance).
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Debt Information: Statements for credit cards, auto, or student loans.
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Insurance: Proof of homeowner’s insurance.
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Documents requested by the underwriter.
Don’t worry if you’re unable to provide some documents — we’ll guide you and match the right loan program to your situation.
“We know you have choices, and we’re grateful for the trust you’ve placed in our team.”
