Simple Process
Start Your Mortgage Application
Applying for a mortgage shouldn't feel overwhelming. At Fenwick Ridge Mortgage, we've designed our application process to be straightforward and transparent. We'll guide you through each step, answer your questions along the way, and keep you informed about where you stand. You're not just a file number to us—you're someone with a home to build or refinance, and we're here to help you get there.
Three Steps to Your Mortgage
We've simplified the mortgage process into three clear phases. Each step builds on the last, and we're with you the entire way.
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Complete Your Application
Tell us about yourself, your income, and the property you're interested in. This initial information helps us understand your situation and get you pre-qualified so you know what you can afford.
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Meet With Your Loan Officer
A dedicated loan officer reviews your application and discusses your options. They'll explain different loan programs, answer questions about terms and conditions, and help you choose what works best for your situation.
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Move to Closing
Once you've selected a property and we've completed underwriting, we'll prepare all final documents. Your loan officer will explain everything before closing day, and you'll walk away with the keys to your new home.
Questions About Applying
We know mortgage applications raise questions. Here are answers to what we hear most often from people like you.
What documents do I need to apply?
You'll need basic identification, recent pay stubs, tax returns from the last two years, and bank statements. If you're self-employed, we may ask for additional documentation. Your loan officer will provide a complete list and help you gather everything needed.
How long does the application process take?
From application to closing typically takes 30 to 45 days, though it can vary depending on the complexity of your situation and how quickly you provide requested documents. We'll keep you updated on the timeline and let you know if anything might take longer.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on information you provide. Pre-approval involves a more thorough review of your finances and gives you a stronger position when making an offer. Both help you understand what you can afford before you start house hunting.