Current clients

You're in process.
Here's your home base.

Everything you'll need between application and keys, in one place. Bookmark this page and come back any time.

Open My Portal Text Ashley
Pre-approved
New homeowner holding a keepsake box at the front door
Quick actions

Three things you'll do most.

Log in to your loan

Check status, complete tasks, and e-sign disclosures in your HomeTrac portal.

Open My Portal

Upload documents securely

Never email bank statements or IDs. Upload through the portal so they're encrypted and go straight to your file.

Upload Documents

Reach Ashley

Text is fastest. I answer every message myself.

Text Call Email
Document checklist

Have these ready and you'll close faster.

Most files need some version of this list. Having them ready before they're requested is the single fastest way to speed up your closing.

Upload to My Portal
  • Two most recent pay stubs
  • W-2s for the last two years
  • Federal tax returns for the last two years (all pages)
  • Two most recent bank statements (all pages)
  • Retirement or investment account statements
  • Government-issued photo ID
  • Employer name, address, and contact
  • List of monthly debts and obligations
  • Documentation for any additional income
  • Rental history (if applicable)
  • Explanations for unusual deposits or credit inquiries
  • Self-employed: 12 to 24 months of business bank statements or a year-to-date P&L
The loan timeline

From application to keys,
in 18 steps.

Most of it happens behind the scenes. The steps marked Your turn are where I'll need something from you.

  1. 01

    Application

    You complete the online application

  2. 02

    Document requestYour turn

    Upload what's on your list

  3. 03

    Pre-approval

    Letter issued, you're ready to make offers

  4. 04

    Escrow opened

    Offer accepted, contract in hand

  5. 05

    Updated document requestYour turn

    Property-specific items

  6. 06

    Disclosures sentYour turn

    E-sign in the portal

  7. 07

    Appraisal ordered

    Value and condition review

  8. 08

    Submitted to processing

    File assembled and checked

  9. 09

    Submitted to underwriting

    Formal eligibility review

  10. 10

    Conditional approval

    Approved, pending a short list of items

  11. 11

    Conditions collected & submittedYour turn

    Clear any remaining items

  12. 12

    Clear to close

    Underwriting is finished

  13. 13

    Loan docs ordered

    Final paperwork prepared

  14. 14

    Docs sent to escrow

    Signing appointment scheduled

  15. 15

    SigningYour turn

    Sign with escrow; docs return to Cornerstone

  16. 16

    Final document request

    Any last items from signing

  17. 17

    Funding review

    Final quality check

  18. 18

    Clear conditions & fundKeys 🔑

    Funds released, deed records, keys

Step 1 of 18Your turnKeys
"What does this condition mean?"

Underwriter shorthand, translated.

Conditional approval
You're approved. The underwriter just needs a few specific items before it becomes final.
LOE (letter of explanation)
A short, signed note explaining something on your file: a deposit, a credit inquiry, a gap in employment. Three sentences is usually plenty.
Sourced & seasoned funds
Underwriting needs to see where a deposit came from (sourced) and that it's been in your account long enough (seasoned), usually 60 days.
VOE (verification of employment)
We confirm your job directly with your employer. This happens at approval and again just before funding.
Gift letter
If a family member is giving you money for the down payment, they sign a letter confirming it's a gift, not a loan.
PTD vs PTF
Prior-to-doc conditions must clear before loan documents are drawn. Prior-to-funding conditions clear after you sign, right before money moves.
Clear to close (CTC)
Every condition is satisfied. Underwriting is done and closing documents can be prepared.
Rate lock
Your interest rate is guaranteed for a set window (typically 30 to 45 days). Closing delays past the lock expiration can cost money, so keep the timeline moving.
HOME letters in an empty new living room
Couple with their dog at the front door of their new home
Couple with their child at the door of their new home

Every one of these started exactly where you are right now.

Protect your approval

What not to do before closing.

Your approval is based on a snapshot of your finances. Changing the picture, even a little, can delay or derail closing. When in doubt, text me first.

  • Open new credit cards or lines of credit
  • Finance furniture, appliances, or a vehicle
  • Make large or unexplained deposits
  • Move money between accounts without telling me first
  • Change jobs or employment status without telling me
  • Miss a payment on any existing account
  • Co-sign for someone else's loan
  • Assume a financial change is too small to mention
Read this before you send any money

Wire fraud is real, and it targets homebuyers in the final days before closing.

Criminals send emails that look exactly like they came from escrow, title, your agent, or me.

  • Wiring instructions never change at the last minute. If you get "updated" instructions, assume fraud.
  • Before wiring, call escrow at a phone number you already had, not one from the email, and confirm the account details verbally.
  • I will never send you wiring instructions or ask you to wire money to me. Neither will Cornerstone.
  • If something feels off, stop and call me at (510) 314-9000. A five-minute delay is nothing. A wired down payment is unrecoverable.

Not a client yet? Tell me your scenario and we'll start there.