Checklist concept, Check mark on wooden

Our 5 Step Process

We take pride in making the loan process easy, understandable, and organized. 

STEP 1: Initial Conversation


There are no high pressure sales tactics or gimmicks. We will get to know each other and discuss your goals and what's unique about your file. From the first conversation, all the way through to closing, we will be your point of contact! The best way to understand the possibilities is to see them. We prepare detailed quotes for multiple scenarios... including some you likely hadn't through about. "From our first conversation, Matthew explained each and every option that was available to me. I really couldn't imagine my home buying process being any easier." Sumit V




STEP 2: Quotes & Pre-Approval


The best way to undertand the possibilities is to see them! We prepare detailed quotes for multiple scenarios .... including some you likely hadn't thought about. Once you're comfortable, you can apply online or over the phone.
We provide you with a secure link to upload your documents. Our pre-approvals are fast - typically same day. "Iron Harbor was hands down able to offer me the lowest interest rate I could find. Matthew always stays connected (almost any time day or night) and replies to any little or big questions or concerns you may have (seriously, he responds to text and emails almost always within 5 minutes)." - Firoze C




STEP 3: Property Search & Contact Acceptance


As you search for properties, we will send updated quotes and pre-approval letters. In a multiple-offer scenario, your lender can make a big difference to the listing agent. We've built a reputation for accurate pre-approvals and on-time closings! "I have been a real estate broker since the mid 80's. Nothing pleases me more than when my clients choose to work with Iron Harbor." - Laura C




STEP 4: Processing & Underwriting


With Iron Harbor Mortgage, there is no dely or lost information in the hand-off between loan officer and processer.

We are the processors and we pre-underwrite our files!
That's why more than 90% of our files are cleared to close on the 1st underwriter review.
"Matthew Breston is meticulous, thorough, and he works with the best in the business because he greatly exceeds basic loan requirements and delivery expectations so everyone wants to work with him." - Jeannette H




STEP 5: Pre-closing and Closing


Our goal is that you review all important loan documents prior to closing. It's why our closing sare so stress-free. "Our Closing was so fast, our real estate agent missed it!" - Allison J





Let's Work Together

We can't wait to help you make your property goals come true.

Contact us today to get started.