Resources

The Mortgage Process

Step‑by‑step guidance on how home loans work from start to finish.

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How the Process Works

From application to closing, we keep each step transparent and predictable. Here’s the flow you’ll experience with Zena Lending and how to stay a step ahead.

What You’ll Need

  • IDs, two years of address/employment history
  • Recent paystubs and W‑2s / 1099s; or statements for alt‑doc programs
  • Most recent two months’ bank statements (all pages)
  • Purchase contract (if in escrow) and contact info for your agent

Key Steps in the Mortgage Process

  • Budget & Credit Check: We align price range and payment comfort.
  • Get Pre‑Approved: Quick review of income, assets, and credit.
  • House Hunting: Shop with a strong pre‑approval letter.
  • Loan Application: Lock rate, choose program, disclosures go out.
  • Processing & Underwriting: Appraisal, title, and full doc review.
  • Conditional Approval: You upload any remaining items.
  • Clear to Close: Final approval; sign and receive the keys.

Tools & Next Steps

Use the checklist on this page and reach out when you’re ready—we’ll map a clean path to “clear to close.”

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