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You want to buy a new home, and time is of the essence. We get it. Cross Timbers Mortgage uses cutting edge technology to get your loan commitment as fast as possible and get it closed quickly. Our loan application and approval process is painless, pleasant, and precise. Here’s what you can expect:

We Have a Chat

A Cross Timbers Mortgage loan officer will consult with you on your credit, manage expectations, and go over in detail what your available financing options are based on your situation and needs. We’ll then help you pick your perfect match loan, including the loan program and interest rate, that is ideal for your family.

Apply for Your Loan

We move full speed ahead with your application, which includes gathering as much information as possible upfront. We’ll then inform you what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.

Appraisal and Underwriting Submission

After we receive the requested documents from you, we’ll promptly order an appraisal, title insurance, tax transcripts, verify your employment, and gather other documents needed for closing. We review your file and “pre-underwrite” your loan, submitting a complete file to underwriting.

Conditional Approval and Loan Commitment

This is the step when you can breathe a sigh of relief. Your loan has been approved, but it comes with conditions that must be met before it can close. You’ll receive your loan commitment subject to these conditions, which your loan consultant will work with you to address and resolve.

Outstanding Documents Submitted for Closing

We’ll gather your additional documents noted in the conditional approval, as well as the third-party paperwork we ordered on your behalf. We then submit it all to the underwriter for “clear to close” on your loan.

Underwriter Sign Off

The underwriter reviews your loan, affirms that all conditions have been met, and signs off on approval. Now your loan is officially ready to close!


Congratulations! You’re about to become a homeowner. We’ll schedule your closing, work with the title company to assemble the final paperwork, and confirm the total funds needed at the closing table. The last step is receiving
the keys to your new home!

Whether you’re looking to move into a new home or move towards refinancing your existing mortgage, let’s get you moving in the right direction.


Awesome company with awesome people! Thank you Chad, Michael and the rest of your team. They made my home buying experience easy and stress free. I definitely recommend if you’re looking for a mortgage company to help with financing your new home.

Nathaniel Sweet

Chad was excellent! Worked through the process in a couple weeks and was ready to go well before closing. Made it very easy and kept me informed through out the process. Would recommend Cross Timbers to anyone needing unconventional financing.

Mel Cowart

Chad made our home buying experience smooth, simple and swift. He is quick to respond to questions, readily available and is always very personable to speak with. I would recommend all my friends and family to call him for any mortgage need!

Melissa Fitzgerald Parker

Chad worked with us to close our new home purchase. He is knowledgeable and professional. I would send all my friends and family to work with him. Thanks Chad!

Andy Gramling

Let’s get you pre-approved for your
mortgage or refinance today!

Please fill out the form below and let’s get started.