How it works
The steps of your US mortgage financing.
Here's the typical journey. Timelines vary depending on your profile and the market, but the steps stay the same.
The discovery call
30 minutes · No commitment
We get to know each other. You walk me through your project — where you are, what you're looking for, your timeline. I walk you through how US mortgage financing works, especially if it's new to you.
You walk away with a clear sense of whether your project is feasible, the list of documents to prepare, and a concrete understanding of the next steps.
→ Just a clear conversation, in French or English.
Pre-approval
The step that changes everything
With a pre-approval, you can make serious offers — and be taken seriously. We prepare your full financial file together: income, assets, debts, employment. At the end, you receive an official letter with your validated budget.
→ You can start visiting homes the moment you have it.
The home search
Your real estate agent leads on the ground. On my side, I stay close throughout the process: I adjust your pre-approval if your budget evolves, I strengthen your offers with a supporting letter, and I advise you on the true cost of a property — taxes, HOA fees, insurance.
→ Don't have an agent yet? I can connect you with French-speaking partners.
From accepted offer to underwriting
30 to 45 days on average
Once your offer is accepted, we launch the full financing process. I coordinate the property appraisal, the loan underwriting, insurance, and the work with the title company.
→ You're kept informed at every step — in French or English.
Closing
Closing day
You sign. Funds transfer. You receive the keys.
→ You're officially a US homeowner.
Next step
Where are you in this process?
Wherever you are, we can talk about it. A clear conversation, in French or English, no commitment.