How it works
The mortgage process, made understandable.
Six steps. A person at each one. The goal is to reduce anxiety, not to pretend a mortgage is simple.
What actually happens
You should always know the next action.
A mortgage file has quiet middle chapters: conditions, appraisal, title, insurance, lock windows. Silence is what makes people anxious. Hancock’s job is to keep a named loan officer on the other side of those chapters.
- 01
Tell us what you’re looking for
Buy, refinance, build, or invest: the file starts with the goal, not a form.
- 02
Explore your options
Programs are matched to occupancy, down payment, and the property, not a slogan.
- 03
Get prepared
Documents, credit, and a pre-approval that means something to a seller.
- 04
Find your home
Shop with a monthly number and a letter, then write offers you can actually close.
- 05
Move toward closing
Appraisal, title, underwriting, disclosures, and a lock that matches the calendar.
- 06
Get the keys
You sign, funds are disbursed, and the loan becomes a monthly relationship.
01
Tell us what you’re looking for
A useful first conversation is short: what you want to do, where, and when. You do not need a perfect document stack to start. You do need an honest picture of income, debts, and how you want the payment to feel. Hancock routes you to a named loan officer rather than a generic inbox.
Next: Find a loan officer licensed in your state.
The point of the file
You should never feel alone in the middle of it.
Appraisal, title, conditions, and lock windows are quieter with a named loan officer on the other side.
Process questions
The middle of the file, demystified
Prequalification is an early estimate from information you provide. Pre-approval is based on a fuller review of credit and documents. Neither is a final underwriting approval or a lock.
Ready when you are
The house is the point.
Whether you’re buying your first home, moving into your next one, refinancing, or exploring your options, we’re here to help you figure out the next step.