Apply when you're ready. Here is exactly what happens next.
The application is a secure MortgageOne portal, powered by Floify. It takes about 15 minutes, your progress saves, and nothing touches your credit until you say so.
The five steps between apply and closing
This is the standard path. The team identifies the current step, what is complete and what comes next.
- 01
You complete the application
About 15 minutes in the secure portal. Save and resume anytime. Nothing is pulled or submitted anywhere until you finish.
- 02
We review it the same business day
A person, not a queue. We read your scenario and request only the documents your situation actually needs.
- 03
Credit and numbers, with your permission
This is the point where credit gets pulled, never before. Then we run your real numbers against the programs that fit.
- 04
The strategy call
We walk you through the options side by side and the why behind each. You choose, we structure it.
- 05
Underwriting to closing
We drive the file and the timeline. You get updates at every milestone, not silence between them.
Your document checklist
Gather these before you apply and the whole file moves faster. Pick the column that matches how you earn.
W-2 employee
- Photo ID
- Pay stubs covering the last 30 days
- W-2s for the last 2 years
- Bank statements for the last 2 months
- Retirement or asset statements, if funds are coming from them
Self-employed
- Photo ID
- Business bank statements, 12 to 24 months
- CPA-prepared profit and loss, if your program uses one
- Business license or CPA letter confirming self-employment
- Personal bank statements for the last 2 months
- Full tax returns only if we go the full-documentation route
Investor
- Photo ID
- Entity documents, if the property vests in an LLC
- Current leases or a market-rent estimate for the property
- Mortgage statements on properties you own
- Two months of statements showing reserves
- Insurance declarations for owned rentals
Every scenario is a little different. After we review your application, you get one clean list for your exact situation, not a fishing expedition.
Before you apply
Is the application portal secure?
The application runs on a MortgageOne portal powered by Floify. Use that portal, not ordinary email, for mortgage documents. Access and handling are governed by MortgageOne and Floify security and privacy controls.
When does my credit actually get pulled?
A credit pull requires an authorization in the lending process. Review the authorization before you submit it, and ask the Lamm Team if you want to confirm the timing first.
What if I start and realize I am not ready?
Nothing bad happens. Your progress saves, nothing is submitted, and nothing is pulled. If you would rather talk it through first, request a Lamm Team call and we will tell you honestly whether applying now makes sense.
Not sure you're ready?
Then don't apply yet. A Lamm Team call sorts out whether now is the right time, and we will tell you straight if it isn't.