Kelly Mortgage, Inc.

Our Loan Process

Step 1 – Apply Online

Before applying:

If you have a credit freeze, please unlock your credit.
Gather all supporting documents for upload. Review our list titled “Documents to Upload with Your Application” to ensure you have everything ready.
Each applicant must complete all pages of the loan application and answer every question. Incomplete applications may be delayed or rejected.

Step 2 – Application & Document Review

Once your application is received, Kelly Mortgage will review your credit, purchase contract, and submitted documents. Once our initial review is completed, we will contact you to discuss your file, answer questions, and request any additional information needed to complete your review.

Step 3 – Loan Disclosures

Loan disclosures are delivered to your email through DocuSign for electronic signature. You can review and sign them easily from your smartphone or computer.

Step 4 – Processing & Approval

Your file will be finalized and submitted for loan approval. During this stage, we may request additional information or clarification. Prompt responses help ensure your loan closes on time.

Step 5 – Insurance Requirements

If approved, you’ll receive an email with insurance instructions specific to your home purchase. Forward these to your insurance agent and confirm they are followed exactly.

Important Timing Notice:

To close your loan, we must receive both the insurance binder and proof of the first full-year premium payment at least three full business days before closing.
The closing day does not count toward this period, and a binder only counts the day it’s received if it arrives before 10:00 AM Pacific Time.
Example: If your closing is scheduled for Friday, insurance must be received no later than 10:00 AM on Tuesday.

Step 6 – Closing Preparation

Once all conditions are satisfied and insurance is confirmed, we’ll complete final employment verifications and prepare your closing documents. Your salesperson or Kelly Mortgage will confirm the amount due at closing and guide you through the final steps.