Mortgage Application 101: What to Expect

Applying for a mortgage doesn’t have to be overwhelming — especially when you know what to expect.
 At Stairway Mortgage, we simplify the process so you feel confident every step of the way.

Whether you’re a first-time buyer or a seasoned investor, here’s everything you need to know to get started with ease.

1. It’s Easier Than You Think

Let’s clear this up:
 You don’t need perfect credit. You don’t need a giant down payment. You don’t even need all your paperwork upfront.

You just need to begin.

Our application process is secure, mobile-friendly, and takes about 10 minutes to complete. After that, we’ll walk you through the rest.

2. What We’ll Ask For (and Why)

To match you with the best loan — and get you preapproved fast — we’ll ask for:

  • Income Info: W-2s, pay stubs, or 1099s
  • Asset Info: Bank statements or retirement account balances
  • Credit Check: We’ll run it — you don’t need to
  • Personal Info: ID, address history, and employment details

We don’t collect anything we don’t need. No fluff, no digging.

3. Privacy and Security Matter

Our application portal uses bank-level encryption to protect your data.
 We don’t share your information with anyone outside the loan process — and we’ll never sell your contact info. Ever.

4. What Happens After You Apply

Once you submit your application:

  • We review your file within 24 hours
  • One of our Mortgage Advisors reaches out to confirm details
  • You receive a custom mortgage plan based on your goals
  • We walk you through loan options and next steps

This isn’t just data entry — this is the beginning of your custom-built mortgage journey.

5. How We Help You Get Approved

If anything on your file needs improvement (credit score, document gaps, debt ratio), don’t worry — we’ll show you how to fix it fast.

We’re not here to judge. We’re here to help you win.

Ready to Take Your First Step?

Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.

  • Takes just 5 minutes
  • Tailored results based on your answers
  • No credit check required
Take the Discovery Quiz

Need a Pre-Approval Letter—Fast?

Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.

  • Only 2 minutes to complete
  • Quick turnaround on pre-approval
  • No credit score impact
Get Pre-Approved Now

Got a Few Questions First?

Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.

Schedule a Call

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We align real estate financing with long-term wealth strategies—so you can move forward with confidence, clarity, and purpose.
Need help? Call our 5 Star Client Service Team at (954) 993-1625 We look forward to helping you climb!

Corporate Contact Info
Stairway Mortgage, A Division of NEXA Mortgage LLC
NMLS # 1660690 | AZMB – 0944059
5559 S Sossaman Rd, Bldg #1 Ste #101
Mesa, AZ 85212
(602) 344-9333

State of Illinois
Illinois Department of Financial and Professional Regulation (IDFPR)
555 West Monroe Street
Suite 500 Chicago, IL 60661
(888) 473-4858
www.idfpr.illinois.gov

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