Review Fairway's Document Checklist (listed above under loan process - documents checklist). Meet with Mel so you know your budget for a home.

With a real estate agent, find the type of home you're looking for within your budget; Make an offer!

Once you have a property address determined, provide it to us so we can begin your application process. See the above document checklist for documents you will need to provide during this process.

Once you and the seller agree on a price, a contract is created and accepted.

A copy of the contract is sent to Melanie and the Taliaferro Team from your amazing realtor.

Loan estimate and federal/state disclosures are delivered to you via our secure Fairway portal. You must then provide your intent to proceed to order services to move forward with your loan.

The Taliaferro Team will order an appraisal on your behalf, your new home will be appraised by an independent appraiser to determine its value. The appraiser will be calling you to schedule the appraisal, please look out for their call. Once the appraisal is finished, the Taliaferro Team will then submit your appraisal to underwriting for approval.

An underwriter will review all loan documentation to assure it adheres to the loan requirements set by HUD (United States Department of Housing and Urban Development) and determine if additional information will be needed.

Once all information has been approved, your loan is moved to the "Clear to Close" status.

Melanie and the Taliaferro Team will provide closing disclosures to you, you may then share them with your real estate agent, or if prior consent is received, we can share the disclosures with them on your behalf.

Closing documents are sent to the title company for review and approval.

Melanie and the Taliaferro Team will contact you with final figures and additional information. PLEASE be sure to confirm payment method for closing cost with the title company BEFORE sending, wire fraud is real.

Meet to sign closing documents at the title company, with a notary, or set up a virtual close with the Taliaferro Team. Bring a photo ID and complete payment of closing cost as directed.

CONGRATULATIONS - You are now a homeowner! Tag @meldoesmymortgages when you post a photo!