How Our Process Works
Step 1:
Schedule Your Call
or Apply Online
Step 2:
We Build Your Personalized Loan Plan
Step 3:
Close Fast & Start Saving
Why Our Process Works So Well
Simple, Transparent, Fast.
Built Around You.
Getting a mortgage or refinance shouldn’t feel stressful or confusing.
At Saxton Mortgage, we break the entire process into three simple steps, handle the heavy lifting for you, and keep you updated every step of the way.
Whether you're refinancing, lowering your rate, or pulling cash out — this page walks you through exactly what to expect.
We get a clear picture of your goals in minutes.
This first step is quick and easy. You choose how you want to start:
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Schedule a Call (we’ll talk through goals & options)
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Apply Online (secure, fast, takes 30 seconds)
What we cover in Step 1:
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What you’re trying to accomplish (lower rate, cash out, shorten term, etc.)
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Your current mortgage details
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Your credit/financial snapshot (soft pull options available)
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Your ideal monthly payment or cash amount
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Your timeline
What you’ll need
(optional but helpful):
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Most recent mortgage statement
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Estimated home value
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Rough income numbers (don’t need documents yet)
What you get from us:
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A quick estimate of how much you can save
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Which programs you’re eligible for
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Whether a refinance makes sense — or if you’re better staying where you are
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Transparent expectations on costs, timing, and benefits
We shop lenders, negotiate for you, and present your best options.
This is where most lenders slow things down.
Not us — we streamline it.
What we do for you:
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Compare multiple lenders to find your best rate
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Work through guidelines to see what you specifically qualify for
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Identify the lowest-cost structure
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Build a clear loan strategy based on your goals
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Create a custom savings breakdown
What you'll receive:
A clean, easy-to-read Loan Options showing:
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Best rate available
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Monthly savings
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Cash-out amounts (if applicable)
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Closing cost comparison
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Break-even analysis
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Total long-term savings
We explain everything in plain English — no jargon, no surprises.
You relax while
we handle paperwork, communication, and closing.
Once you choose a loan option, we move everything into fast-track mode.
What we handle for you:
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Submitting your file to underwriting
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Communicating with the lender
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Ordering appraisal (if required)
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Gathering and organizing documents
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Updating you at every step
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Pre-reviewing conditions to speed up approval
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Scheduling your signing
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Coordinating with the title company
Typical timeline:
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Initial approval: 24–72 hours
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Final approval: 5–10 days
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Closing: As fast as 8–15 days depending on loan type
What you'll need to provide:
(Lender requirements can vary, but usually this includes…)
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ID
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Mortgage statement
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Homeowners Insurance statement
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Proof of income
That’s usually it — we keep it simple
We shop multiple lenders, not just one
Means better pricing and more flexibility for your situation.
Faster communication than big banks
No waiting days for updates — you always know where you stand.
Straightforward explanations
We break everything down so you always feel confident and in control.
Zero-pressure approach
If a refi won’t save you money, we’ll tell you — honestly.
We handle 90% of the work
You shouldn’t feel stressed. We take care of the details.