02/07/2026
Getting a mortgage can seem daunting. You'll need to make big decisions about mortgage types, lenders, and properties. However, at its most basic level, the mortgage process involves only six steps: pre-approval from mortgage lenders, house shopping, mortgage application, loan processing, underwriting, and closing.
Understanding each of these steps can help you weather the more complicated aspects of the process. In this guide, we’ll explain everything you need to know!
For most people, the mortgage process has six key stages: pre-approval, house shopping, mortgage application, loan processing, underwriting, and closing.