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Your Roadmap from Contract to Closing

home Loans

Want more direction into what happens after your new home is under contract? Your destination is just ahead! Keep reading as we map out your loan process from contract to closing.

DAY 30 - 27

Docs Needed

You will receive a “next steps” email with the list of required documentation we need to start the process. Please gather the requested docs and provide right away through our various options for delivery.

DAY 27 - 25

Initial Disclosures

Look out for your federally mandated initial disclosure package which you'll need to review and eSign. We will also introduce you to Abbey Burtson, your loan support partner, and submit your loan to processing. 

DAY 25 - 20

Appraisal Ordered

Once inspections are completed (and resolutions are agreed upon by you and the seller), we will order the appraisal through our certified appraisal panel. Typical turnaround time is roughly 10 business days.

DAY 10 - 7

Loan Review

Underwriting will review your loan and Ashley Vargas or Kathy Beck, your loan processors, will be in touch to request any final documentation we might still need in order to obtain final loan approval for you.

DAY 15 - 10

Appraisal Received

Amy McCubbin, your transaction coordinator will send a copy of your appraisal and appraisal receipt disclosure. This confirms you've received and reviewed your appraisal. Your file will also be sent to underwriting.

DAY 20 - 15

File Review

As we prepare so send your file to underwriting, Abbey Burtson will review your loan and be in touch if there are any outstanding items that might still be needed in order to move forward. 

DAY 7 - 5

Closing Disclosure

This is the most important federally required form that details your preliminary closing figures. Please review and eSign as soon as possible, as this doc must be completed 3 business day prior to closing.

DAY 5 - 2

Loan Approval

Do a happy dance! Your loan has received final approval by underwriting and has been submitted to closing. Closing docs will be sent to the title company where all closing figures are finalized.

DAY 2 - 1

Closing Time

Amy will send final details so you can obtain a cashiers check or wire for closing. We loved working with you and hope the feeling is mutual! Please watch for an email from PrimeLending with a link to leave us a review.

Did You Know?

Federal regulations require us to redisclose documents to you any time a change is made to your loan.

If changes are made to your loan file, you will receive an email with the redisclosed docs from docs@primelending.com

You are required to eSign your documents. Doing this promptly will help avoid delays to your scheduled closing date.

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Copyright © 2025 PRIMELENDING, A PLAINSCAPITAL COMPANY (PRIMELENDING). In accordance with Section 326 of the USA PATRIOT Act of 2001, PrimeLending NMLS: 13649 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.

 

PRIMELENDING A PLAINSCAPITAL COMPANY®, PRIMELENDING ®, HOME LOANS MADE SIMPLE®, DISCOVER YOUR BEST ®, NEIGHBORHOODEDGE®, LOANTELLIGENCESM and LOANPLICITY® are trademarks, service marks, or registered trademarks or service marks of Hilltop Holdings Inc., licensed to PrimeLending, a Plains Capital Company, for its use. You may not use, display or reproduce them without the prior written consent of Hilltop Holdings Inc. and PrimeLending. Further, you may not remove, obscure, or otherwise modify any copyright, trademark, confidentiality or other proprietary rights notices displayed on, embedded in, or otherwise appearing in any Content offered by, viewed on, or received through this site. All other trademarks identified and contained herein are the property of their respective owners and their use herein does not imply sponsorship or endorsement of their products or services. This website is not intended to offer loan services for properties in New York.

 

Total Expert and PrimeLending are not affiliated. *All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply. **Down payment waiver is based on VA eligibility. 1.) As listed by MARKETRAC Jan 2019 - December 2021. 2.) As Ranked by PrimeLending for 2023 3.) As ranked by Fortune, according to greatplacestowork.com. 4.) As listed on scotsmanguide.com for 2021

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THE FLEMING GROUP  |  BRANCH NMLS: 657538

201 NE 91st Street, Suite B, Kansas City, MO 64155

816-883-3030  |  scott.fleming@fleminggroupkc.com

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