The process
What actually happens, start to keys
Most mortgage stress comes from not knowing what’s next. So here’s the whole thing — every phase, every timeline, and exactly what Tiaira handles so you don’t have to.
The conversation
Text or call Tiaira. She learns your goals, timeline, and situation — and tells you honestly what’s possible right now, including down payment assistance options. No documents needed yet.
Pre-approval
A short application plus documents: pay stubs, W-2s, bank statements. Tiaira reviews credit, income and assets, then issues your pre-approval letter — real buying power in writing.
House hunting
Shop with your agent, pre-approval in hand. Tiaira stays a text away for payment questions on any listing — “what would this one cost me?” gets a real answer, fast.
The offer
Found the one? Tiaira can refresh your pre-approval letter to match your offer price and talk strategy with your agent so your offer lands strong.
Processing & appraisal
Offer accepted! Tiaira locks your rate, opens the file, and orders the appraisal. Your job is fast document turnaround; her job is keeping every wheel turning.
Underwriting
An underwriter verifies everything. Requests for more documents here are completely normal — it means progress, not problems. Tiaira translates every request into plain English.
Clear to close
The magic words. Underwriting is done, your Closing Disclosure arrives showing exact final numbers, and you review it with Tiaira before signing day.
Keys 🔑
Final walkthrough, signatures, funding — and the house is yours. Tiaira stays your mortgage person after closing too: refinance checkups, payment questions, next moves.
Communication promise
You’ll never wonder where your loan stands
Tiaira’s style is proactive: milestone updates at every phase, plain-English translations of every document request, and answers day or night — because “I’ll hear back Monday” is not how she operates.
Ready to start phase one?
Phase one is a conversation. That’s the entire barrier to entry. Text Tiaira and find out where you stand.