From start to finish, we walk you through every step of the way.
The Maddox Mortgage Group Experience
Let us guide you through your home financing journey.
Our goal is to keep the process simple, transparent, with minimal stress while moving quickly on your behalf. We set ourselves apart with a thorough upfront underwriting process in order to issue a true pre-approval.
What To Expect
From Start To Finish
Application & Pre-Approval
1
2
3
4
5
6
Home Search
Under Contract
Underwriting & Conditional Approval
Appraisal & Documents
Closing Day!
- Stronger offers when you find a home
- Fewer surprises later in the process
- Faster path to closing once you're under contract
What does this mean to you?
- Complete the application in full
- Upload requested documents as soon as possible
What we need from you:
The faster we receive your documents, the faster we can issue your pre-approval!
Application & Pre-Approval
1
2
3
4
5
6
Home Search
Under Contract
Underwriting & Conditional Approval
Appraisal & Documents
Closing Day!
Once pre-approved, you will work with your realtor to find the right home. During this time:
- We remain available to calculate payment scenarios and answer questions
- We will help you structure offers if needed
- We advocate on your behalf when a listing agent contacts us to confirm your pre-approval
Application & Pre-Approval
4
5
6
Home Search
Under Contract
Underwriting & Conditional Approval
Appraisal & Documents
Closing Day!
once your offer is accepted:
- We will reach out to you about protecting your interest rate to avoid changes in the market.
- You will be introduced to our processing team, who will assist alongside the Mortgage Advisor.
- Your loan is submitted to underwriting within 24-48 hours
Being attentive and quick to respond during this step helps everything move smoothly, stay on track through settlement, and avoid delays.
3
1
2
Application & Pre-Approval
1
2
3
5
6
Home Search
Under Contract
Underwriting & Conditional Approval
Appraisal & Documents
Closing Day!
(usually takes 1-3 days)
4
2
3
4
5
Home Search
Under Contract
Underwriting & Conditional Approval
Appraisal & Documents
6
Closing Day!
Application & Pre-Approval
1
at this stage:
- The appraisal is completed
- We collect any remaining documentation
Common items needed are standard and expected:
- Updated pay stubs/bank statements
- Letters of explanation (if needed)
Application & Pre-Approval
1
2
3
4
5
Home Search
Under Contract
Underwriting & Conditional Approval
Appraisal & Documents
6
Closing Day!
At this point:
- Final numbers are prepared
- Closing is scheduled
closing day:
- You’ll sign your final documents and officially become a homeowner.
What to Expect,
From Start to Finish
Application & Pre-Approval
1
- Stronger offers when you find a home
- Fewer surprises later in the process
- Faster path to closing once you're under contract
What does this mean to you?
- Complete the application in full
- Upload requested documents as soon as possible
What we need from you:
The faster we receive your documents, the faster we can issue your pre-approval!
Home Search
2
Once pre-approved, you will work with your realtor to find the right home. During this time:
- We remain available to calculate payment scenarios and answer questions
- We will help you structure offers if needed
- We advocate on your behalf when a listing agent contacts us to confirm your pre-approval
Under Contract
3
once your offer is accepted:
- We will protect your interest rate to avoid changes in the market
- You will be introduced to our processing team, who will assist alongside the Mortgage Advisor.
- Your loan is submitted to underwriting within 24-48 hours
Being attentive and quick to respond during this step helps everything move smoothly and stay on track through settlement. Delays typically happen here if documents or appraisal payments are not completed quickly.
Calculate your estimated monthly payment
It is important to walk into the home buying process informed and confident. Our mortgage calculator is designed to give you a realistic estimate of your monthly payment based on home price, down payment, interest rate, and loan term.
*This calculator is made available to you as an information tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is only an estimate. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Maddox Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
Our Commitment to You & What Sets Us Apart
"From day one, they demonstrated exceptional professionalism and kept me informed throughout every step of the loan process.
I want to extend my sincere thanks and wholehearted recommendation to Maddox Mortgage Group for anyone in search of a mortgage loan, especially fellow veterans. After a difficult experience with a less reputable lender, I was fortunate to be referred to the Maddox team.
I am grateful for what felt like a divinely orchestrated connection, as their dedication and attention to detail ultimately helped me secure my dream home."
ANGELA B.
"We couldn’t recommed Reggie or his team more.“
Thanks to Reggie and his team, we were able to focus on the excitement of buying our first home without the stress of financing.
What could have been an overwhelming experience felt effortless with his guidance. His incredible team made sure we were informed every step of the way, and his efficiency ensured a smooth path to closing.
He even managed to secure us a lower rate just a week before closing when rates dipped slightly—something we didn’t even think was possible!”
taylor g.
"Reggie was a phenomenal lender -
He exceeded expectations and I could not recommend him more highly. He was professional, very responsive, well organized and worked to ensure that we had a thorough understanding of the entire process.
There is no doubt in my mind that we wouldn't have been able to close this deal in the current market without Reggie's expertise and ability to move quickly.
This is the lender you're looking for!"
will w.
"From day one, they demonstrated exceptional professionalism.
"We couldn’t recommed Reggie or his team more.
“Thanks to Reggie and his team, we were able to focus on the excitement of buying our first home without the stress of financing.
What could have been an overwhelming experience felt effortless with his guidance. His incredible team made sure we were informed every step of the way, and his efficiency ensured a smooth path to closing.
He even managed to secure us a lower rate just a week before closing when rates dipped slightly—something we didn’t even think was possible!”
taylor g.
"Reggie was a phenomenal lender -
He exceeded expectations and I could not recommend him more highly. He was professional, very responsive, well organized and worked to ensure that we had a thorough understanding of the entire process.
There is no doubt in my mind that we wouldn't have been able to close this deal in the current market without Reggie's expertise and ability to move quickly.
This is the lender you're looking for!"
will w.
"From day one, they demonstrated exceptional professionalism and kept me informed throughout every step of the loan process.
I want to extend my sincere thanks and wholehearted recommendation to Maddox Mortgage Group for anyone in search of a mortgage loan, especially fellow veterans. After a difficult experience with a less reputable lender, I was fortunate to be referred to the Maddox team.
I am grateful for what felt like a divinely orchestrated connection, as their dedication and attention to detail ultimately helped me secure my dream home."
angela b.
"Reggie was a phenomenal lender -
He exceeded expectations and I could not recommend him more highly. He was professional, very responsive, well organized and worked to ensure that we had a thorough understanding of the entire process.
There is no doubt in my mind that we wouldn't have been able to close this deal in the current market without Reggie's expertise and ability to move quickly.
This is the lender you're looking for!"
will w.
"From day one, they demonstrated exceptional professionalism and kept me informed throughout every step of the loan process.
I want to extend my sincere thanks and wholehearted recommendation to Maddox Mortgage Group for anyone in search of a mortgage loan, especially fellow veterans. After a difficult experience with a less reputable lender, I was fortunate to be referred to the Maddox team.
I am grateful for what felt like a divinely orchestrated connection, as their dedication and attention to detail ultimately helped me secure my dream home."
angela b.
"We couldn’t recommed Reggie or his team more.
“Thanks to Reggie and his team, we were able to focus on the excitement of buying our first home without the stress of financing.
What could have been an overwhelming experience felt effortless with his guidance. His incredible team made sure we were informed every step of the way, and his efficiency ensured a smooth path to closing.
He even managed to secure us a lower rate just a week before closing when rates dipped slightly—something we didn’t even think was possible!”
