The mortgage loan process is an essential part of buying a home, but it can also be very overwhelming. There are numerous steps, things to have ready, considerations, and more that make the mortgage loan process complicated.

However, it does not have to be difficult. With the right know-how, you can navigate the mortgage loan process and buy a home. At Golden Eagle Mortgage Group, we are ready to help you through that process and make it easier.

Mortgage Loan Process

The mortgage loan process can be broken down into six main steps. This makes the process easier to understand and keep track of. The main steps of the mortgage loan process are:

Mortgage Home Process in California

1. Pre-approval.

Pre-approval is when you get approved for a loan beforehand, allowing you to know your spending limit and speed up the process. You will hand over the required documents, and the lender will estimate what you qualify for.

2. Finding a home.

As the name suggests, this step is all about finding a home. You will find a home that you like within your budget, make an offer, and if they accept, sign a purchase agreement. The agreement may require a deposit as well.3. Preparing your application.




3. Preparing your application.

The next step of the mortgage loan process is preparing your application. Your lender should provide you with the required application. Fill out the form completely and include any required documents, such as tax returns, paystubs, and more.

4. Application processing.

During this step of the mortgage loan process, the lender will process your application. They will review all the information, request credit reports, and more. This process is typically quick, but it will take longer if there is any missing or incorrect information.

5. Underwriting.

You will be assigned an underwriter who will double-check all of your information. If anything is missing, they will contact you to fill in the blanks.

6. Approval and closing.

Once everything has been completed and approved, it is time for closing. This part of the mortgage loan process involves signing a number of documents. Once you’re done, you are officially a homeowner.

Get in Touch Today

If you need help navigating the mortgage loan process, reach out to Golden Eagle Mortgage Group today. Since 1999, we have been helping people achieve their dream of homeownership. Our team has the experience and knowledge necessary to help you through the mortgage loan process. So reach out and get started with Golden Eagle Mortgage Group.

Golden Eagle Mortgage Group

260 Tres Pinos Rd., Ste. B-2

Hollister, CA 95023


Main: 831-636-5363

Fax: 831-637-2384


Hours: Mon-Fri 8 am – 5 pm