The Home Loan Process
What to expect when obtaining a mortgage in Florida with Mark Harris.
Initial Pre-Approval Analysis
Complete our quick loan analysis online. Mark Harris reviews your credit, income, and down payment scenario to issue a formal Pre-Approval Letter.
House Shopping With Confidence
Work with your real estate agent to tour properties within your verified budget. Knowing your exact maximum purchase price gives you strong negotiating power.
Purchase Contract & Application
Once an offer is accepted, we finalize your official loan disclosures, lock in your wholesale interest rate, and submit your full application.
Appraisal & Processing
We order a licensed property appraisal to verify home value and gather title work. Our internal processing team prepares your file for underwriting.
Underwriting & Conditional Approval
The lender underwriter reviews your file and issues a conditional approval. You provide any final updated bank statements or pay stubs requested.
Clear to Close & Closing Table
You receive your final Closing Disclosure (CD) outlining exact cash-to-close funds. You sign final loan documents and receive the keys to your new home!
Ready To Take Step 1?
Get pre-approved in under 24 hours with zero hard credit impact to start.
Start Free Pre-Approval