Mortgage Support Center

Guidance you Can Trust

Every Step of the Way!

Whether you’re buying your first home, upgrading to your dream home, or refinancing to save money, understanding the mortgage process can give you confidence and clarity. Chris Hauber with Zenith Home Loans is here to simplify the complex—and make home financing feel achievable.

Step-by-Step: The Mortgage Process Explained

Step 1

Step 2

Step 3

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Step 6

Step 7

Initial Consultation and Pre-Qualification

This is where it all begins. Chris will get to know your goals and gather a clear picture of your finances. This step is free and gives you a high-level view of your buying power.

Pre-Approval

A pre-approval letter shows sellers you’re serious—and ready. Chris will review your credit, income, assets, and debts to issue a strong pre-approval, which can give you a competitive edge when house-hunting.

House Hunting

Now you’ll work with your realtor to find a home that fits your lifestyle and budget. Chris remains in close contact throughout this phase to answer questions and update your approval if needed.

Loan Application

Once you’ve made an offer, the full loan application begins. Chris will help you complete the paperwork, submit required documentation, and lock in your interest rate when the timing is right.

Processing & Underwriting

Behind the scenes, Chris and his team are reviewing documents, ordering the appraisal, and submitting your file to underwriting. This is where lenders verify that everything checks out.

Final Approval & Closing Disclosure

After underwriting gives the green light, you’ll receive a Closing Disclosure detailing your final costs. Chris will review this with you line by line so there are no surprises.

Closing Day

You’ll meet with a title company to sign the final paperwork and receive the keys to your new home. Congratulations—you’re officially a homeowner!

Choosing the Right Loan Type

Conventional Loans

Ideal for buyers with solid credit and a 3–20% down payment. Competitive rates and flexible terms.

FHA Loans

Great for first-time buyers or those with less-than-perfect credit. Requires as little as 3.5% down.

VA Loans

Exclusive to eligible veterans, service members, and surviving spouses. No down payment, no mortgage insurance, and favorable terms.

USDA Loans

Available for qualified rural properties. Offers 100% financing and low rates.

Jumbo Loans

Designed for higher-priced homes that exceed conventional limits. Ideal for luxury home purchases.

Adjustable-Rate Mortgages

(ARMS) Start with a lower fixed rate that adjusts after a set period—best for short-term ownership plans or savvy investors.

Mortgage Tips

Before You Apply

Check your credit report and fix any errors
Gather key documents: pay stubs, tax returns, bank statements
Don’t make any big purchases or open new credit lines

During the Process

Be responsive—quick replies keep your loan moving
Stay consistent with your income and job status
Avoid moving large sums of money without explanation

After You Close

Keep records of your closing documents
Set up autopay to never miss a mortgage payment
Talk to Chris annually about refinancing opportunities or home equity loans

FAQs

You're Not Alone - These are Common Questions

How much do I need for a down payment?

It depends on the loan type—some loans require as little as 0–3.5%.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate; pre-approval is verified and carries more weight when shopping for homes.

Can I still buy a home if I have student loans or debt?

Absolutely. Chris will help calculate your debt-to-income ratio to determine what you can comfortably afford.

How long does the mortgage process take?

Typically 30–45 days from accepted offer to closing, but Chris works hard to keep things efficient and on track.

Will applying for a mortgage hurt my credit?

There may be a small, temporary dip from a hard inquiry—but responsible borrowing (like a home loan) can help build your credit over time.