Purchase a home with

historically low interest rates

Home Buying Process

Let’s get started! We’re here to guide you from application to funding.

Application
Application
Fill out our full application online or meet with one of our Originators to begin the home buying process.
Disclosures
Disclosures
We are required to send you a package of disclosure documents that describe your loan and the process.
Gather Documents
Gather Documents
We work with you to obtain all necessary information to support the information contained on the application.
Pre-Approval
Pre-Approval
We can have your loan fully underwritten and approved pending your appraisal before you home shop so that you can make an offer with confidence.
Purchase Contract
Purchase Contract
Make an offer on a home and send the purchase agreement to us.
Appraisal
Appraisal
Once we have a purchase agreement, we will order an appraisal of your new home.
Underwriting
Underwriting
All updated information along with the appraisal must be sent to an underwriter for review.
Conditional Approval
Conditional Approval
Your loan is conditionally approved by the underwriter which means we are almost done. There may be a few final items needed in order for you loan to be complete.
Final Approval
Final Approval
After the underwriter has received all of the information they need, your loan will be Cleared To Close.
Closing
Closing
Your closing documents will be prepared by us and sent to the title company handling your transaction for you to sign.
Funding
Funding
After signing your loan documents, title will return some paperwork for our review. Once approved, we authorize the title company to disperse the funds from your loan.

Selecting Lend Smart as your Trusted Mortgage Company

Our friendly, Minnesota based home mortgage team at LendSmart is ready to help you begin your home-buying journey.