Do a final loan application and sign necessary disclosures.

Shadow of the Fence of the Old State Capital in Baton Rouge

Make sure to get this process going right away; it's what takes the longest.

At this time the lender will pull your credit report and ask for copies of your current W-2, bank statements, and any other necessary documents.

You must sign the loan application and required disclosures before the lender can move forward in processing your loan, which includes ordering an appraisal(next step).