Congratulations! Having your offer accepted is a big milestone, but it’s just the beginning of your journey toward owning a home. At Heart Mortgage, we walk with you through every step, making the process clear, safe, and stress-free.
With your offer accepted, the next step is ensuring the property is in perfect condition. This stage is essential for your safety and contract validation.
💡 Stay alert! Things move fast from here!
In this phase, we confirm the property’s market value and finalize your credit analysis for final loan approval.
Your financing has been approved! This is confirmation that all requirements have been met and we’re ready for the final stage.
The big day has arrived! It’s time to sign the final documents and receive the keys to your new home.
The period between offer acceptance and closing is dynamic. It’s important to avoid large purchases, not open new credit lines, and keep your finances stable. If issues arise during the property inspection, our team will guide you on the best options, whether renegotiating the price with the seller or requesting necessary repairs. Our commitment is to ensure you make a safe and advantageous investment.
Our team is ready to guide you through every stage. If you have any questions, contact us.
The seller has officially agreed to your offer.
What happens now:
Both parties sign the Purchase Agreement.
A closing date is set (typically within 30–45 days).
💡 Stay alert — things move fast from here!
This is your chance to inspect the property thoroughly.
What’s involved:
A certified inspector checks the home’s structure, roof, HVAC, plumbing, electrical systems, and more.
You’ll receive a detailed report.
🛠️ If major issues are found, you may renegotiate or request repairs.
The lender needs to confirm the home’s market value.
How it works:
An independent appraiser visits the property.
A report is issued with the home’s appraised value.
The loan is based on this value — not necessarily the price you agreed to pay.
This is the final loan review — and we’ll handle most of it for you.
During underwriting:
The bank reviews your full documentation and the property details.
They assess your credit, income, assets, and overall risk.
Additional documents may be requested.
🚫 Avoid new credit cards, big purchases, or moving large sums of money during this time.
This means your loan has been fully approved!
What it means:
You’re officially cleared to close.
A closing date is confirmed.
All final documents are prepared for signing.
🎯 You’re almost there!
It’s the big day — time to sign and celebrate!
What happens:
You sign all mortgage and title documents.
Remaining funds are transferred.
You receive the keys to your new home! 🏡🎉
