01Day 1
The conversation
A text or call with Forrest about your goals, timeline, and situation. No paperwork yet — this is the "is this even realistic?" chat, and the answer is usually more encouraging than people expect.
The process
From first text to keys — here's the whole map.
Most mortgage stress comes from not knowing what happens next. So here's what happens next. All of it.
02Day 1–2
Pre-approval
A short application plus documents (pay stubs, W-2s, bank statements). Forrest verifies the numbers and issues your pre-approval letter — the document that makes your offers real.
03Your pace
House hunting
You and your agent shop; Forrest stays a text away. Want a payment estimate on a specific listing before you tour it? That’s a two-minute turnaround.
041–3 days
Offer & acceptance
Found it. Your agent writes the offer, Forrest matches the pre-approval letter to your offer price, and — when it’s accepted — the clock starts.
05Week 1–2
Processing & appraisal
Fairway’s team orders the appraisal, verifies everything, and assembles your file. You may get a few document requests — fast responses keep everything on schedule.
06Week 2–3
Underwriting
An underwriter reviews the complete file against the loan program’s guidelines. Conditions come back, Forrest’s team clears them. This is the "quiet" phase where the work is happening behind the scenes.
07Week 3–4
Clear to close
The best three words in mortgages. Final numbers arrive in your Closing Disclosure at least three business days before signing, so nothing at the table is a surprise.
08Closing day
Keys
Sign, fund, done. You walk in a buyer and walk out a homeowner — usually in under an hour.
Communication
You'll never wonder what's happening with your loan
The number-one thing Forrest's clients mention in reviews is communication — because the number-one complaint about lenders everywhere is silence. Forrest's standard is simple: you hear about every milestone when it happens, and questions get answered fast, in language that makes sense.
It's been two days and I'm nervous... is something wrong with our loan?
Nothing's wrong — you're in underwriting, which is the quiet phase. But you shouldn't have to ask. Expect a milestone update from me the moment anything moves. That's the deal.
Ready to start phase one?
Phase one is literally a text message. The rest follows from there.