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[Music] welcome to your mortgage what to expect first thank you for trusting us with your home loan we are happy to be working with you and want to make closing fast and easy for you it starts by understanding the mortgage process better and what you can expect every step of the way beginning with the initial document review we may ask you to provide information that is vital to your loan approval including documents such as pay stubs w2s tax returns and bank statements and if you prefer we can verify this information electronically then to ensure a smooth review by underwriting remember dont quit your job change jobs or make any major life changes avoid applying for new credit as this can lower your credit score and potentially impact your loan approval dont make any large purchases soon after well contact you with your rate and product options were excited to help get you into your new loan if you have any questions about the first step of the loan process please dont hesitate t