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No Surprises

The Mortgage Process,
Demystified

We believe an informed borrower is a confident borrower. Here's exactly what to expect from day one to closing day.

Pre-Approval in 24 hrs

Once we have your complete file, your pre-approval letter is ready fast.

Closing in 60 min or less

On closing day, the signing process takes under an hour. Then keys are yours.

Always Know Your Status

We communicate proactively at every stage — no wondering where you stand.

Average 21–45 Days Total

From application to closing, most loans close within a month and a half.

The Path Forward

Your Journey to Homeownership

The mortgage process doesn't have to be scary. Here's exactly what to expect, step by step.

Typical timeline: 24 hours

Once we receive your completed application and all required documents, we move quickly. Within 24 hours we review your income, assets, and credit to determine your borrowing power and issue a pre-approval letter that shows sellers you mean business.

Be Prepared

Documents You'll Need

Having these ready speeds up the entire process significantly.

Income

  • Last 2 years W-2s
  • 30 days of pay stubs
  • 2 years tax returns

Assets

  • 2 months bank statements
  • Retirement/investment accounts
  • Source of down payment

Identity

  • Government-issued photo ID
  • Social Security Number
  • Current address (2 yrs)

Self-Employed

  • Year-to-date P&L statement
  • Business tax returns
  • Business bank statements

Property (if under contract)

  • Purchase agreement
  • HOA docs (if applicable)
  • Property address

Other

  • Divorce decree (if applicable)
  • Gift letters (if using gift funds)
  • Rental agreements (if applicable)

Ready to start your process?

Apply online in minutes. Antonio reviews every file personally.

Begin My Application →

Your front door is closer
than you think.

Take the first step today. Whether you're buying, refinancing, or just exploring, we're here to guide you home.

Start Your Application

Path to Home

Guiding you through every step of the homeownership journey with clarity and care.

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Contact

Legal

  • NMLS #1662255
  • NEXA Mortgage LLC
  • NMLS #1660690
  • Equal Housing Opportunity. All loans subject to credit approval. This is not a commitment to lend.

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