The Process · Kissimmee, FL
How It Works: Your Clear Path from "Maybe Someday" to Keys in Hand
One person. One plan. Seven steps you'll understand completely — in English or Spanish.
24-hour pre-approvalsEnglish y Español
One person. One plan. Seven steps you'll understand completely — in English or Spanish.
You know your number before you shop. You know what happens next at every step. And when the listing agent asks "is your buyer solid?" — your agent hands over a real pre-approval letter, issued within 24 hours of your intake.
This is where it all starts. We hop on a call — no cost, no commitment — and talk about your goals. I'll ask about your timeline, your budget, and where you want to live. You'll ask me anything you want. By the end, you'll know exactly what's possible and what the next step looks like.
I review your credit, income, and financial picture to see where you stand. If anything needs attention, I'll tell you — and I'll tell you exactly how to fix it. If your credit needs work, I won't just say "not yet." I'll build you a roadmap and connect you with a trusted credit partner so you know exactly what to do next.
Once your documents check out, I match you with the right loan program from our network of lenders. Then I issue your pre-approval letter. Here's what's different: I don't issue letters I can't close. When a realtor sees your pre-approval from START Mortgage, they know it's solid. That gives your offer real weight in a competitive market.
Now you go find your home. Your realtor leads the search, and I stay right behind you both. Need to adjust your budget? I'll run the numbers. Multiple offers? I'll make sure your pre-approval is ready. Questions about a property? Call me. I'm available throughout — not just at the beginning and end.
You found the house. Now the file goes to processing and underwriting. This is where most people start to panic — because most loan officers go silent. Not here. I manage the entire process and keep you updated. If the underwriter needs something, I explain what it is, why they need it, and how to get it. No jargon. No mystery.
This is the moment. Your loan is fully approved. Before we get to the closing table, I walk you through your Closing Disclosure — line by line. You’ll see your final interest rate, your monthly payment, your closing costs, and everything else. No surprises. No last-minute changes you don’t understand. You’ll sit down at closing already knowing every number on the page.
You close. You sign. You get the keys. But this isn't where our relationship ends. I follow up at 30, 60, and 90 days to make sure everything is going well with your new home. I'll send you annual insights about your mortgage and your wealth-building progress. And when your family or friends are ready to buy — I'll take care of them the same way I took care of you.
| START Mortgage | Typical Lender | |
|---|---|---|
| Communication | Direct access to your loan officer | Phone menus and voicemail |
| Updates | Regular check-ins at every step | Silence until something goes wrong |
| Language | Full service in English and Spanish | English only (maybe a translator) |
| Pre-Approval | Backed by real verification — it closes | Fast letter that may not hold up |
| Speed | 21-day average close | 30–45+ days |
| After Closing | Follow-up at 30, 60, and 90 days | "Thanks, goodbye" |
| Transparency | Every fee, every number, explained | Surprises at the closing table |
| Language Barrier | Never — everything explained in your language | You're on your own, or you bring someone to translate |
In most scenarios we're paid by the lender, not by you. When borrower-paid compensation gets you a better deal, we show you both options in writing — you choose.
Most pre-approvals are processed within 24–48 hours after we receive your documents. Some are faster depending on your situation. Subject to credit approval.
For most people, you'll need recent pay stubs, two years of W-2s or tax returns, two months of bank statements, and a valid ID. Self-employed? We'll walk you through what's needed for your situation.
A bank offers their own loan products. As a mortgage broker, we shop multiple lenders to find the right fit for your situation. More options. More flexibility. Programs, rates, and terms subject to change.