The Mortgage Process

Buying or refinancing a home doesn’t have to feel overwhelming. At Clover Key Lending, we keep the process simple, clear, and personal—so you always know what’s happening next.

Here’s exactly what to expect from start to finish:

1. Quick Pre-Approval

We start with a conversation about your goals, budget, and timeline.
Then you complete a secure online application.

✔ Fast turnaround
✔ Clear payment breakdown
✔ Confidence to shop like a cash buyer

You’ll receive a pre-approval letter so you can confidently make an offer.

2. Loan Strategy & Rate Options

As a mortgage broker, we shop multiple lenders to find the best option for your situation—not just one bank’s products.

We review:

• Interest rate options

• Loan programs (Conventional, FHA, VA, USDA, Jumbo)

• Down payment strategies

• Closing cost estimates

You’ll understand your numbers before moving forward.

3. Underwriting & Processing

Once you’re under contract, we submit your file to underwriting.

During this stage:

• We verify income, assets, and credit

• The home appraisal is ordered

• Any additional documents are collected

Don’t worry—we guide you through every request and keep things moving quickly.

4. Clear to Close

When underwriting signs off, you’re officially Clear to Close.

You’ll receive final closing disclosures outlining:

• Final interest rate

• Exact monthly payment

• Total cash needed at closing

No surprises. Just clarity.

5. Closing Day 🎉

You’ll sign final paperwork at the title company and receive the keys to your new home.

That’s it—you’re officially a homeowner!