Rooted in Chico. Focused on your next chapter.Home financing, made personal.

What happens after I apply?

You don’t need every answer to take the first step. Here’s what the path generally looks like, with personal guidance along the way.

  1. We start with your goals.
    Steven reviews your application and connects with you to discuss your plans, timing, and questions. If you haven’t heard back or your timeline is urgent, call or text him directly.

  2. We fill in the details.
    You’ll discuss income, assets, credit, and the property, and receive guidance on documents needed for your situation. Use the application portal or another approved secure method for financial documents.

  3. You understand your options.
    Review available loan programs, estimated payments, costs, and next steps. Ask questions before deciding how to move forward. Any preapproval depends on the review and applicable requirements.

  4. We work toward closing.
    If you proceed, the process may include property review, appraisal, underwriting, and satisfying loan conditions before closing. Your exact steps and timing depend on the loan and property.

Applying doesn’t mean you’re approved or committed to a loan. It starts a conversation. Review the application portal’s notices and any credit authorization before submitting.