From application
to keys — step by step.

Submit your loan application through our secure portal. You'll also need to provide proof of income and authorize a soft pull of your credit report. The credit report fee is paid separately via a link you'll receive by email — it is not part of the application itself.

If your credit score, credit history, income, and other factors meet the minimum requirements, you'll receive a pre-qualification letter along with a loan estimate — a breakdown of your projected rate, monthly payment, and fees. We'll walk you through every number so you understand exactly what you're looking at.

Once you've chosen a home, we'll send you a set of documents to review and sign. These disclosures authorize us — your mortgage broker — to formally submit your file to a lender. You'll have time to read through everything, and we're available to answer any questions before you sign.

Once you and the seller have agreed on price and terms, sign the purchase agreement and make sure a copy gets to us right away. This is a required document before your file can move to the lender — don't let it sit.

Once we have your purchase agreement and signed disclosures, we submit your complete file to the lender. When the lender responds, we'll send you their decision along with any additional documents they need for underwriting. We'll also order your appraisal at this stage — within 2–4 business days you'll receive a link from Datacomp (the appraisal company) to pay for it directly.

This is where the lender thoroughly reviews your income, assets, debt, credit, and the property details before giving final approval. Underwriting is the most detail-intensive part of the process — you'll be asked to verify almost everything, and requests can come in multiple rounds.

An appraisal confirms the lender's estimate of your home's value — it is not the same as an inspection. An inspection is optional and something you'd arrange separately to check for repair issues. Once you've paid for the appraisal, a walkthrough will be scheduled with the seller. The final report typically takes 1–2 weeks after that.

Once underwriting has reviewed and approved all documents — including the appraisal — the underwriter issues a "Clear to Close." This means your loan is approved and ready to be finalized. We'll immediately order your closing documents and give you an estimated timeline for when they'll be ready.

Coordinate a closing date with your agent or the seller. We strongly recommend working with a settlement company to manage your closing — they handle getting documents notarized and mailing the closing packet to the lender, which keeps everything moving cleanly.

Closing documents will be sent to you, your agent, and the settlement company. Read everything carefully. If anything is unclear, call us before you sign — that's exactly what we're here for.

At closing you'll sign your documents with the seller — some will need to be notarized, which the settlement company handles. They'll then mail the full closing packet to the lender for processing. If your home is in a community or park, make sure to coordinate with management to schedule your lease signing and pay any required move-in fees.

Once the lender receives and processes your closing packet, your loan is funded and finalized. Coordinate with your agent and/or the seller to determine when you'll take possession of the home and receive your keys. Neither the lender nor Midwest Mobile Home Loans is involved in that handoff — it's between you and the seller.