How it works
Our 5 Step Process
We take pride in making the loan process easy, understandable, and organized.
- 1
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 exploration. From the first conversation, all the way through to closing, we will be your point of contact!
“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. - 2
Step 2
Quotes and Pre-Approval
The best way to understand 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 and, importantly, include a pre-underwrite.
“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. - 3
Step 3
Property Search and Contract Acceptance
As you search for properties, we will send updated quotes and pre-approval letters.
In a below-list offer scenario, a reliable 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-'80s. Nothing pleases me more than when my clients choose to work with Iron Harbor.”
Laura C. - 4
Step 4
Processing and Underwriting
With Iron Harbor Mortgage, there is no delay or lost information in the hand-off between loan officer and processor.
The same team processes the information from your initial interview, processing and submission to underwriting through clear-to-close on our files!
This platform supports our Accurate Quotes with No Surprises pledge.
“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. - 5
Step 5
Pre-closing and Closing
Our goal is that you review all important loan documents prior to closing. This includes a reconciliation of the costs at closing compared to the initial lock - on every single file.
It's why our closings are so stress-free.
“Our closing was so fast!”
Allison J.
Let's Work Together
We're looking forward to assisting you. Contact us today to get started.