Home buying process
From first question to front door.
Here's what to expect at each step — and how we help along the way.
- 1
Getting Started
We talk through your goals, timeline and budget. You'll get a clear picture of which loan programs could fit before anything is submitted.
- 2
Pre-Qualification vs. Pre-Approval
A pre-qualification is an early estimate based on information you share. A pre-approval goes further — your credit, income and assets are reviewed — and can strengthen your negotiating power when you make an offer.
- 3
Loan Application
Once you've found a home, you'll complete the full application through our secure online portal.
- 4
Documentation
Typically includes pay stubs, W-2s or tax returns, bank statements and photo ID. We'll give you a specific list — and you'll upload it securely, never by email.
- 5
Underwriting
The lender verifies your information, orders the appraisal and reviews the property. We keep you updated and handle any follow-up requests.
- 6
Closing and Funding
You review and sign final documents, the loan funds, and you receive the keys.
Quick answers
Common questions about buying a home
What is the first step to buying a home in Sacramento?
Talk with a mortgage professional about your goals, timeline and budget. Before you tour homes, a pre-approval — a review of your credit, income and assets — shows you what you can afford and strengthens your offer.
How much down payment do I need to buy a home?
It depends on the loan program. FHA loans offer low down payment options, VA and USDA loans may require no down payment for eligible borrowers, and CalHFA programs can help California first-time buyers with upfront costs.
What documents do I need for a mortgage application?
Typically pay stubs, W-2s or tax returns, bank statements and photo ID. You'll receive a specific list for your situation and upload everything through a secure portal — never by email.
Let's Make Your Next Move Possible.
Talk with Matthew about your goals, or start your secure application today.