What happens after you apply
Your loan officer reviews your file
They confirm the numbers, talk through loan options that fit, and issue your pre-approval. Payment, down-payment, and pricing questions go to them directly — call, text, or email.
The processing team takes the file
Once you're under contract, a processor orders the appraisal, collects any remaining documents, and tracks every condition. You'll know what's needed and when.
Underwriting reviews and approves
An underwriter reviews the complete file. If items need documenting, the processor and loan officer work them with you — no guessing which of them to call.
Closing is coordinated for you
Clear to close, final figures, scheduling with your agent and the attorney or title company — the team handles the coordination through your signing.
A fuller walk-through: the mortgage process, start to finish.
Whatever you're financing
- Buying a home
- Purchase financing across conventional, FHA, VA, and USDA programs — matched to the property and your file, not a one-size answer.
- Refinancing
- A rate-or-term review starts with your current loan's numbers. If refinancing doesn't clear your break-even, your loan officer will say so.
- Second homes & investment
- Different occupancy means different down-payment and reserve requirements — worth a conversation before making offers.
Payment examples and how to read them: understanding payment scenarios.
Ready to start?
Find the loan officer licensed in your state, then apply through their official ALCOVA application — each loan officer has their own, so your file starts with the right person from day one.
For corporate-wide information — servicing, payments, licensing, and company disclosures — see alcova.com. ALCOVA Mortgage LLC, NMLS #40508 (www.nmlsconsumeraccess.org). Equal Housing Lender. This page is informational and is not a commitment to lend.