Loan Process



Pre-qualification is the first step of your mortgage experience. Our expert financial advisors will gather information about your monthly income and debt to determine how much of a loan you can afford. This can be done through email, in person, or over the phone with no cost. A pre-qualification letter can be issued so that you may start shopping for a new home; however, it will not be required for refinances.



The application is used to collect your financial information in order to paint a complete picture of your financial standing. At this stage, we may gather essential documents including your income, asset, liability statements, and credit report. Here at Trustworthy Mortgage, we offer a variety of programs tailored to fit your individual needs.


Loan Estimate

A loan estimate will be issued within 3 days following your completed application. The loan estimate provides you with loan information including the estimated interest rate and closing costs, projected monthly payments, and total due at closing. A mortgage professional will go over the loan estimate in depth so that you fully understand all the loan terms.



All your documents will be packaged and submitted for underwriting. A thorough and detailed job by our experienced processors will ensure that your loan has the highest potential for approval. Once your package is submitted, initial approval of your application will typically take no more than 1-2 days, during which an appraisal, title search, and job verification will be ordered as well. The underwriter may need you to provide additional documents or a letter of explanation to verify your income, assets, and liabilities. After all required documents are fulfilled, a mortgage loan commitment or approval letter will be issued.


Closing/Closing Disclosure

You will receive a closing disclosure at least 3 business days prior to settlement. The closing disclosure includes your loan terms, projected monthly payments, and tells you how much you need to bring to closing. You will have at least three days to ask us any questions before you go to the closing table. Prior to closing:

  • • Call and ask your title company for their payment preference. This may be in the form of a cashiers check or wire transfer. Personal checks are not accepted and may delay closing.
  • • Bring identification and proof of hazard insurance
  • • Be prepared to review and sign final loan documents


Lifetime Customer Service

Got more questions after closing? Not sure where to make your first mortgage payment? Our dedicated loan team assists customers with questions even after closing so you are never left hanging. We hope to establish lifelong relationships with customers so that your mortgage experience will always be a memorable one, time and time again.
A typical mortgage process takes 21-30 business days to complete. Contact us for a free consultation at 703-827-0899 or Apply Online today and one of our experienced loan officers will promptly get back to you.