Day 1
The conversation
Ten minutes by text or phone. Goals, timeline, comfort zone. Scott tells you what he needs and what happens next.
The process
Buying a home feels chaotic only when nobody tells you what comes next. Here is what comes next — all of it.
1–2 days*
Pre-approval
Documents go to Fairway's secure portal. Scott reviews income, assets and credit and issues a letter — then explains what it means.
Weeks to months
House hunting
Tour with your agent. Text Scott any address for a payment estimate. Keep your finances boring.
Same day
The offer
Updated numbers in minutes, a letter matched to the offer, and Scott's call to the listing agent before you submit.
Week 1–2
Processing & appraisal
Loan Estimate delivered, inspection scheduled, appraisal ordered, rate lock decided together, insurance shopped.
Week 2–4
Underwriting
The lender verifies everything. Conditions are normal; fast replies keep the file moving. Scott narrates every step.
3+ days before
Clear to close
Final approval. Your Closing Disclosure arrives at least three business days ahead — compare it to your Loan Estimate.
About an hour
Closing day
Verify the wire by phone, do the walkthrough, sign, fund, record. Keys.
* Typical once complete documents are received; timing varies by file and is not guaranteed.
Communication
Appraisal ordered. Appraisal in. Conditions cleared. Clear to close. You and your agent hear each one the moment it happens — by text, from Scott, not from a portal notification three days later.
Scott · Loan Officerhaven't heard anything in a few days — is something wrong??
Nope — underwriting is just doing its quiet thing. Nothing's needed from you. I'll text the second there's news. 👍
Ready when you are
No dumb questions, no pressure, no forms to fill out. Text Scott what you are wondering about and get a straight answer — usually the same day, nights and weekends included.
Text Scott · 303-668-3350 →Apply with Scott at Fairway
Applications happen on Fairway's secure site — never here.