your path to home starts here

We make the mortgage process clear, simple, and stress free from start to finish.

We know the loan process can feel intimidating. That is why we break it down into simple, manageable steps so you always know where you are, what comes next, and what to expect. Our team is with you every step of the way to make sure nothing gets missed and nothing comes as a surprise.

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Step 1: Get Pre-Approved

Before you start shopping, knowing what you can afford makes all the difference. Our pre-approval process reviews your income, credit, and financial picture to give you a clear budget and a stronger position when you are ready to make an offer.
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Step 2: Choose Your Loan

Not all loans are created equal. Our experienced loan officers will walk you through your options, from FHA and VA to Conventional and Jumbo, and help you find the loan that best fits your goals, your budget, and your situation.
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Step 3: Submit Your Application

Once you have chosen your loan, it is time to make it official. You will submit your application along with supporting documents like pay stubs, tax returns, and bank statements. Our team will guide you through exactly what is needed so the process stays on track.
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Step 4: Processing and Underwriting

After your application is submitted our team gets to work. Your loan goes through processing and underwriting where everything is reviewed and verified. We will keep you informed throughout and let you know right away if anything additional is needed.
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Step 5: Appraisal

An appraisal is ordered to confirm the value of the home you are purchasing. This is a standard part of the process and helps ensure the loan amount aligns with the value of the property.
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Step 6: Conditional Approval

In many cases your loan will receive a conditional approval, meaning the underwriter has reviewed your file and just needs a few final items before giving the green light. Our team will communicate clearly what is needed and help you get it taken care of quickly.
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Step 7: Clear to Close

This is the moment you have been waiting for. Clear to close means your loan has been fully approved and you are ready to move to the final step. Our team will walk you through what to expect and make sure you feel prepared and confident going in.
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Step 8: Closing Day

Closing day is where it all comes together. You will sign your final documents, pay any remaining closing costs, and officially become a homeowner. Congratulations, you are home.

Ready to Take the First Step?

Our team of experienced loan officers is available seven days a week to answer your questions and get the process started. Reach out today and let us guide you home.
Get Started

IH Mortgage | 5430 Glen Lakes Drive Suite 170 | Dallas, TX 75231 | NMLS ID 1872001 | NMLS Consumer Access | 214-295-4465 | info@ihmortgage.net | Privacy & Legal

© 2026 IH Mortgage. All rights reserved. IH Mortgage supports Equal Housing Opportunity, IH Mortgage is headquartered at 5430 Glen Lakes Drive, Suite 170, Dallas, TX 75231.

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to credit and property approval.

IH Mortgage, NMLS# 1872001, is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending.

Figure: 7 TAC §56.200(c) TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV

All payment and APR calculations are estimates provided for illustrative purposes only and are based on assumptions regarding interest rate, loan term, property taxes, homeowners insurance, mortgage insurance, and other applicable costs. Actual payment amounts, APR, interest rates, closing costs, and loan terms will vary. This calculator does not constitute an offer to lend, a rate lock, prequalification, preapproval, or loan approval. Loan approval is subject to credit verification, income and asset documentation, underwriting review, investor guidelines, and program availability. Rates, fees, and terms are subject to change without notice. Every borrower’s circumstances are unique, and actual loan terms and qualification depend on factors including, but not limited to, loan type, credit profile, debt-to-income ratio, loan-to-value ratio, occupancy, property type, income, assets, and other underwriting requirements. Your actual APR may be higher than the estimate shown. Results do not indicate or guarantee that you qualify for a loan or any specific loan program. For complete details and a personalized loan analysis, please contact us directly.