Clear & Transparent Roadmap
The 5-Step Mortgage Loan Process
From your initial pre-approval calculation to key handoff at closing, Oakley Pike and NEXA Lending guide you through every milestone.
Find Your Borrowing Power & Pre-Qualification
Establish your maximum budget before making home offers
- Gather initial financial details (income, assets, debts).
- Run automated pre-qualification scenario analysis across wholesale channels.
- Receive an official Pre-Qualification Letter to present with real estate offers.
Select The Right Mortgage Loan Program
Compare rates, down payment terms, and monthly payment options
- Evaluate Conventional vs. FHA vs. VA vs. USDA or Investor DSCR options.
- Determine fixed-rate vs. adjustable-rate structures.
- Optimize down payment assistance (DPA) or seller concession options.
Complete Official Digital Loan Application (1003)
Secure online submission via our mobile-friendly platform
- Submit full 1003 application via app.bevri.ai/apply/2651982.
- Authorize credit pull and lock interest rate parameters.
- Upload preliminary document checklist items safely.
Loan Processing & Underwriting Approval
Verification of documentation, property appraisal, & title search
- Processor compiles title work, property appraisal, insurance, and verification.
- Underwriter reviews loan file against investor guidelines.
- Issuance of Conditional Approval followed by Clear to Close (CTC).
Closing & Loan Funding
Sign final paperwork and receive your keys
- Receive Closing Disclosure (CD) at least 3 business days prior to closing.
- Wire or bring certified cashier's check for final down payment & closing costs.
- Sign final title & mortgage documents; loan funds and property closes!
Ready to Start Step 1?
Get pre-qualified in minutes with no obligation. Find out how much home you can afford before shopping.