The Home Mortgage Loan Process

Why should I get preapproved?

We recommend all buyers get pre-approved before beginning their home search. Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes beyond your means.  Also, being preapproved may give you preference in a multiple offer situation.  The preapproval could be the difference in your offer being accepted!

Funding your home purchase:

1. Financial pre-approval

  • Application & interview
  • Provide pertinent documentation, including verification of employment
  • Credit report is pulled

2. Underwriting

  • Loan package is submitted to underwriting for approval

3. Loan Approval

  • Parties are notified of approval
  • Loan documents are completed and sent to title

Things not to do after your pre-approval:

  1. Do not make odd deposits -- for example, birthday money
  2. Do not make big credit purchases
  3. Do not apply for any other credit

Below are some experienced, local lenders our clients have suggested:


Steadfast Mortgage Company
Daniel Shults
Phone: (502) 851-7605


Fairway Indpendent Mortage
Jason Lawrence or Jason McPherson
Phone: (502) 905-5287 or 859-806-0035

 Dave Setters Logo

First Fidelity Mortgage, Inc.
David Setters
Phone: (502) 632-4470

[email protected]

 Dave Setters Logo

Century Mortgage Company
Brian Just
Phone: (502) 376-4488

Our handy Mortgage Calculator tool can help give you an idea of payments, etc.