5-Step Funding Roadmap

Our Home Financing Process

From initial strategy call to closing day, we provide a structured, transparent mortgage process designed to eliminate stress and fund your transaction on schedule.

Step 01

Consultation & Financing Strategy

Every successful transaction starts with an alignment of goals. We evaluate your credit background, target home budget, and document-readiness to formulate the perfect loan scenario from dozens of traditional and non-QM loan programs.

1-2 Business Days
Step 02

Application & Verification Check

Complete your official loan application (Form 1003) via our secure, encrypted C2 Financial portal. Our system provides a dedicated checklist to upload necessary supporting documents like W-2s, paystubs, and bank statements.

Same Day Setup
Step 03

File Processing & Appraisal

Our dedicated processing team compiles and reviews all assets, orders credit verifications, and schedules the home appraisal. We package your mortgage application files cleanly to support a timely underwriting review.

5-10 Business Days
Step 04

Underwriting & Conditional Approval

A licensed mortgage underwriter reviews your total loan profile to verify regulatory guidelines are met. Once conditional approval is issued, we work closely with you to answer any final underwriter requests quickly.

3-5 Business Days
Step 05

Clear to Close & Wire Funding

Guideline conditions are fully cleared and your loan is officially approved! We issue the final Closing Disclosure, coordinate document signing at escrow, wire the mortgage funds, and complete your purchase or refinance.

2-3 Business Days

Dual-Licensed Advantage: Realtor & Broker

Did you know Mary Ann Garcia Berges is licensed as both a seasoned Real Estate Broker and an independent Mortgage Specialist? When you combine your purchase and home financing with our team, we can optimize your negotiation power and offer exclusive closing cost savings!

Browse Real Estate Listings Learn About Closing Credit

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