Four clear steps, an average 18-day close, and a real person guiding you the whole way. Here is exactly what to expect, from your first application to the keys in your hand.
Start your application online. It takes under five minutes and there is no commitment to proceed. We ask for some basic information about your income, assets, and the home you are looking to buy or refinance.
You do not need to have everything figured out yet. If you are just exploring your options, that is perfectly fine. We will help you understand exactly where you stand.
Once we review your profile, we issue a pre-approval letter, typically the same day. This letter tells sellers you are serious, qualified, and ready to move fast. It is your competitive edge in today's market.
Your pre-approval letter includes your maximum loan amount and estimated rate range, so you can shop with confidence and make strong offers.
Once you find the right home and your offer is accepted, we lock your interest rate to protect you from market movement. From there, we manage the full underwriting process, ordering the appraisal, coordinating with the title company, and keeping everything on track.
We handle the heavy lifting so you can focus on the exciting part, getting ready to move in.
We coordinate with your real estate agent and title company to get you to the closing table smoothly and on time. You will receive a detailed Closing Disclosure at least three days before closing, so you know exactly what to expect, with no surprises.
Then you sign, get your keys, and move in. We are with you every step of the way, and we are always just a message away after closing too.
Having these documents on hand speeds everything up. Do not worry if you do not have them all yet. We will walk you through exactly what we need.
Start Your ApplicationOur average close time is 18 days. Here is what that typically looks like.
Tell us a little about your goals and we will reach out with your next steps. It takes about two minutes, with no commitment and no credit impact to begin.
No commitment · Under 2 minutes
Your information is never sold or shared. By submitting you authorize Pillar Mortgage Group LLC to contact you by phone, text, or email. Equal Housing Lender.
A member of our team will reach out shortly to walk through your next steps.
It follows four main steps: apply, get pre-approved, lock your rate once you have an accepted offer, then close. Along the way the file goes through underwriting, appraisal, and title review, with one point of contact from application to closing.
Most borrowers need recent pay stubs, W-2s or tax returns, complete bank and asset statements, and a photo ID. Self-employed borrowers typically add business returns and a profit and loss statement, or bank statements for a bank statement loan. We collect documents only through our secure application, never by regular email.
Most borrowers lock after an offer is accepted or a refinance plan is set, choosing a lock period that fits a realistic closing timeline. Locking protects your rate and pricing for that window.
Starting a conversation or submitting an inquiry does not by itself affect your credit. A full application usually includes a credit review, which may show as an inquiry depending on the type and your profile. We tell you before any hard credit pull.
A Closing Disclosure is the federal form that shows your final loan terms, projected payments, and closing costs. You receive it before closing so you can compare it with your Loan Estimate and ask about any changes.
Underwriting is the lender's detailed review of your income, assets, credit, and the property against program guidelines. The underwriter may request updated statements or letters of explanation, called conditions, and once every condition is cleared the loan is clear to close.
Pillar Mortgage Group, LLC is an Equal Housing Opportunity lender, doing business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
Company NMLS# 2700076 | Arizona Mortgage Broker License MB-2009671 | View NMLS Consumer Access