Our Mortgage Process

The Martini Mortgage Group makes the loan process quick and easy so you can focus on your home search, close rapidly, and receive the keys to your new home.

1

Begin with your consultation.

You can get started with the loan process by calling (919) 238-4934 to schedule your consultation.

We will ask you questions during the consultation to understand your needs and goals. We will also patiently answer your questions about the mortgage process and the different types of lending products.

2

Choose what type of mortgage to apply for.

Next, you will need to decide what type of home loan you want to apply for. The Martini Mortgage Group can recommend loan options based on your current financial profile and what you want to achieve in the future.

3

Receive pre-approval.

We pre-approve you for a loan next. Once we do, you will know how much home you can afford, and you can approach sellers with enhanced bargaining power.

4

Submit your application.

Fill out and submit your loan application, providing supporting documentation to help us verify your income and employment.

If you are self-employed and do not have a W-2, you can use our bank statement loan process instead of the traditional loan application process.

5

We handle appraisal and underwriting.

During the next step in the process, you can concentrate on your search for a home while we do the appraisal and underwriting. If we need you to provide more documentation, we will notify you.

6

We issue conditional approval.

One of the most exciting steps in the process is this one, when you receive a loan commitment with conditional approval. The best part is you are so close to final approval!

7

Pending documents are submitted.

If you have not yet met all conditions for final loan approval, we will need you to do so at this stage. We also might ask for more documents.

8

Receive final approval.

After the final underwriting review takes place, the underwriter can give you final approval.

9

Closing time is here.

The moment has arrived—you are ready to close and get the keys to your new home!

Apply for a Mortgage in Raleigh or Beyond Now

Have questions about our mortgage process, or ready to apply for a home loan? Please give the Martini Mortgage Group a call at (919) 238-4934 to schedule your consultation. We are based in Raleigh and help homebuyers throughout North Carolina as well as the states of South Carolina, Florida, Georgia, Illinois, Tennessee and Virginia.

See What Our Clients Are Saying About Us

Casie Gray
Casie Gray
00:34 03 May 22
Kevin and his team (Logan and Keith) helped us every step of the way and it was like having your uncle and cousins help you. They were very personable and would call and answer any question we had. We just moved here from Georgia and we're thankful to have such warm, professional friends help us through the stressful process of buying a house. 10/10 ❤️
John Sisler
John Sisler
13:21 18 Mar 22
Kevin handled our work professionally and promptly.After explaining some options, that I was unaware of beforehand, Kevin helped us to get a far better deal than I could have on my own steam.Absolutely recommend!
Chris Brady
Chris Brady
17:20 17 Mar 22
You could not find a more efficient, competent, and (surprising to say) fun place to help you with your financial arrangements. These are top-notch professionals and I would recommend them to anyone.
Kendra Davidson
Kendra Davidson
01:46 08 Mar 22
Kevin is the absolute best. Not only at what he does, but also at providing critical advice and top referrals. Working with him on our mortgage was a wonderfully learning process and also fun. Would not hesitate to work with him again!
eric leder
eric leder
20:07 07 Oct 21
Kevin is a awesome, I truly appreciated his professionalism and candor throughout the entire process. It was always wonderful to talk to him on the phone and his guidance was extremely helpful and on point. As a first time home buyer, Kevin made the whole process seamless and easy to understand, which allowed me to be confident in my decisions.Thanks Kevin!
Don Rose
Don Rose
11:01 05 Oct 21
Everyone was knowledgeable, patient and kind. Very easy to work with.
Peter Clayton-Luce
Peter Clayton-Luce
16:31 03 Aug 21
110% Recommend the Martini Group. They did an excellent job ensuring our loan was good to go for closing time. They were very knowledgable and helpful with all my questions. Will definitely be back for my next one! :)
yolanda davis
yolanda davis
03:55 08 Jun 21
Kevin and his team were fantastic. Even though we had to have an extension, him and his team pull through for our family and got our mortgage approved and processed in an exceptional timely manner. We greatly appreciate their hard work and we will be using them for all future needs.
Bruce Parmly
Bruce Parmly
17:27 30 Mar 21
As our culture becomes increasingly more self-focused it is so refreshing to find an organization that truly understands the word Caring, and you are it!
Lee Rogers
Lee Rogers
13:51 02 Mar 21
Very impressed with this group. Great communication and guidance throughout made for a smooth process and very satisfied with rate and costs. Highly recommended.