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Stage 1 - Borrower Receives OfferStage 2 - Borrower Requests LockStage 3 - Borrower Takes AppStage 4 - Lender Locks LoanStage 5 - Lender Sends App Stage 6 - Lender Orders AppraisalStage 7 - Borrower Returns AppStage 8 - Lender Reviews PaperworkStage 9 - Lender Submits LoanStage 10 - Lender Meets ConditionsAfter all conditions have been met and the loan is “Clear to Close"Stage 11 - Lender Sets ClosingStage 12 - Borrower Closes.
Disclaimer: These stages above are typical. However your stages may vary depending on various circumstances such as loan types, property types, credit situations, appraisal issues, etc. Source Sweetwatermortgage.com.
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