Future home buyers meeting with a mortgage banker

The Loan Process

A Road Map for What's Next

Let's walk you through a typical loan application process.

The Mortgage Process Doesn't Have To Be Complicated

We've found the key to an exceptional mortgage experience is clear  and consistent communication. We believe in letting you know what will happen next and keeping you informed about progress throughout the process. 
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1. Organize Your Documents

Taking some time to proactively gather your documents up front will streamline your application process. Click here for a full checklist of what you'll need during the application process.

2. Pre-Approval

Establish your budget and determine how much you can afford to spend on your new home by getting pre-approved. Taking this action before shopping ensure that you are shopping for a home with a list price that you are comfortable with when it is time to make an offer.

3. Start Shopping

Getting pre-approved lets a seller know your home loan request has been reviewed and approved by a lender. This crucial step is more likely to get your offer accepted. Learn more about the SouthState Priority Assurance Preapproval and Premier Approval to determine which process is best for homeownership journey.

Once you have found your home

4. Processing & Underwriting

The mortgage loan approval process will include a review and verification of the information you provided in your loan application.
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5. Close On Your New Home

Once you receive loan approval, you will be ready for closing. While you are at the closing, you will sign the final loan documents as well as pay any closing costs.

6. Welcome Home!

Once you have closed on your new home, you will receive the keys and be able to move in. Congratulations!
Experienced Mortgage Professionals
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Experienced Mortgage Professionals

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