STEPS OF THE LOAN PROCESS The steps below outline the loan process assuming qualification and approval. The final outcome may vary.
APPLICATION Visit dhimortgage.com to get started and find out how much you may be eligible to borrow to buy a home. You can rest assured that your information is safe and secure. 1 Your Mortgage Loan Originator will explain your options and help you find the loan that best fits your needs.
PROCESSING A Loan Processor will work closely with your Mortgage Loan Originator to verify your employment, assets, and credit history, and gather all the information needed for underwriting. Please remember to provide any requested documents within 24 hours to keep the process moving!
UNDERWRITING An Underwriter will review your file for credit approval. They might request additional documents.
CREDIT APPROVAL At this time, your loan has been conditionally approved, pending receipt of additional requested items. Your file will go back to Processing for gathering of conditions. Remember – response time is important!
RESUBMISSION & FINAL APPROVAL Most loans are resubmitted to underwriting before final approval. This should be expected as a normal part of the process. This is the final stage of your loan before closing, and documents are being prepared for the final Closing Disclosure.
CLOSING You and your Title Agent will schedule a convenient time for your closing. Your Loan Processor or Mortgage Loan Originator will tell you the amount needed for closing. You will either wire funds or bring a cashier’s check made out to your Title Company or Attorney’s office. Once the loan is funded, you’ll receive the keys to your new home. Congratulations, homeowner!
Get started today! Go to dhimortgage.com/dallas and click "Get Started."
DHI Mortgage 4312 Miller Rd., Rowlett, TX 75088 214-607-4321 direct dhimortgage.com/dallas
Financing offered by DHI Mortgage Company, Ltd. (DHIM). Branch NMLS #196085. 4312 Miller Rd., Rowlett, TX 75088. Company NMLS #14622. DHIM is an affiliate of D.R. Horton. For more information about DHIM and its licensing please visit www.dhimortgage.com/affiliate. Provided for informational purposes only. This is not a commitment to lend. Not all borrowers will qualify. 1 nCino is a third party that administers the mortgage application process for DHIM. Your interaction with the online mortgage application will be governed by nCino’s Privacy Policy and Terms of Use, which is available via weblink at the time of application and prior to submitting data. DHIM is not responsible for the use or disclosure of any information that you share with, or permit, a third party, such as nCino, to access. After you share your username and password with a third party or provide other permissions to them to access your personal information, DHIM will consider all transactions initiated by such third parties to be valid and duly authorized by you. Please review nCino’s privacy policy as well as the DHIM Privacy Policy, which is available at www.dhimortgage.com. Equal Housing Opportunity. REV: 02/11/26 | EXP: 02/11/27
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