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Steps to buying a house:

1. I take a full application
2. If you have internet access I can let you actually view my banks computer as I take the application by you just clicking on a link in an email that I send you at a specific time.  (I subscribe to www.gotomypc.com)
3. Determine the best program (rate/terms) for you and your situation.
4. Now I print out and send you the full application to you via mail.  You sign it and send it back with copies of things like: 2 years W-2, 30 days paycheck stubs, 2 months of bank statements including checking, savings, IRA, ESOP, mutual fund etc...
5. Once I get the full signed application back with the photocopies of the documentation needed, I will mail you back a "PRE-Qual" form. 
6. You can show this pre-qual form to your real estate agent to start looking for houses to buy.
7. Tell your real estate agent to contact me by phone or email.
8. Send me a signed purchase agreement once you find a house.
9. I order appraisal for you but you will have to pay for this ahead of time directly to the appraisal company.  You can find the appraisal company but we have to approve them first.   So go ahead shop around for a low priced one.  Most are $300, and some are a little higher.
10. I order title work to be done for you.  You can pick the title insurance company too.
11. Shop around for insurance for your house.  Homeowners insurance (fire, etc…)
12. Tell your insurance agent to contact me by phone, email or fax.
13. We wait until we hear from the underwriter because they sometimes ask for more information from you.   The underwriter is the person that can accept an application or reject it.  If they reject it, they tell me why.  Sometimes we can get this issue cleared up and sometimes we can’t.
14. You move in.