Steps: 1) free pre-approval; 2) house hunt & offer; 3) contract & earnest money; 4) appraisal & inspection; 5) underwriting; 6) closing & keys.
Pre-approval to offer
We start with a pre-approval so you know your budget and can make strong offers. Once your offer is accepted, we lock your rate and open escrow.
Contract to closing
The home is appraised and (usually) inspected. Underwriting reviews your file, then you get clear to close, sign, and receive the keys. We keep you updated at each milestone.
Frequently asked questions
How long does buying take?
From accepted offer to closing is commonly 30–45 days, sometimes faster with a strong file.
When should I get pre-approved?
Before you shop — it sets your budget and makes offers credible.
Can I lock my rate before I find a home?
We typically lock once you’re in contract, though some programs allow earlier locks. We’ll advise.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.