>> Fill out loan application.

>> Gathering documents from applicant.

>> Credit check.

>> Appraisal of property.

>> Title search.

>> Employment & residential history compiled.

>> Verification of financial reserves.

>> Loan goes to underwriter for approval.

>> All conditions requested by underwriter are met.

>> Loan is approved.

>> Signing documents drawn.

>> Documents sent to title company.

>> Buyers bring in money and sign documents.

>> Title company records deed.

>> Escrow is now closed.

>> Buyers get keys to property.