Our Process

At Tetra Home Loans, we’re committed to ensuring you feel confident and comfortable throughout your mortgage journey. Whether you're purchasing a new home or refinancing, we’re here to make the process smooth and stress-free. Here’s what you can expect when working with us:

☎ Step 1: Discovery Meeting

In our initial call, we’ll review your financial situation, pull an updated credit report, and discuss your personal goals and concerns.


We’ll cover important details like your income, debts, assets, and property value. Based on this, we’ll schedule a follow-up—often the same day—to present your loan options. You can choose to meet in person, via video call, or over the phone—whichever works best for you.

💻 Step 2: Your Loans Options

During this meeting, we’ll present personalized mortgage options based on your goals. If you’re ready to proceed, we’ll guide you through gathering essential documents, typically including:

  • Two years of W-2s

  • Recent pay stubs

  • Current mortgage statements (if applicable)

  • Homeowners insurance declaration page

We’re not here to pressure you—we encourage you to take your time and evaluate everything. However, keep in mind that mortgage rates fluctuate daily, and your rate will only be locked once you decide to move forward.

📊 Step 3: Take Your Time

We understand that decisions about your mortgage are significant. We want you to feel confident, so take the time you need to consider your options. There’s no rush on our end.


If you’re shopping for interest rates, we support you in ensuring you get the best deal. Remember, when we pull your credit, you have a 45-day window where additional mortgage credit pulls won’t affect your score. Be sure to compare offers based on the same property value we’ve discussed to get an accurate comparison.

💻 Step 4: Rate Lock & Document Collection

Once you decide to move forward, we’ll lock in your rate and order the appraisal. You will need to cover the appraisal cost upfront, typically between $400-$700.


At this stage, we’ll walk you through signing the necessary documents, making sure you understand everything along the way. We’ll also finalize gathering the required documents like W-2s, pay stubs, and insurance information.

⏳ Step 5: Loan Processing and Underwriting

After your documents are submitted, our team will take care of the rest. We’ll work with underwriting to ensure everything is in order, guiding your loan toward a quick and smooth closing. You’re in good hands, and we’ll keep you updated every step of the way.

🏁 Step 6: Loan Closing

Once your loan is approved, we’ll schedule your closing date. From here, you’re just a few steps away from reaching your financial goals, whether it’s securing your dream home or refinancing into a better loan.

If this process makes sense to you, the next step is to decide if our qualifications meet your needs.