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How It Works

For our technical enthusiasts, here is a more in-depth breakdown of our process. Any more questions? Send us a message or give us a call and we’ll be happy to help.

1. Select Your Rate

Tell us whether you’d like to buy a new home or refinance your current one, and see real rates instantly – no personal information required!  At Rosegate, you don’t have to worry about being sold. Simply select the rate and term that works best for you, before you apply!

2. Apply Online

Welcome to LoanKey, our online digital mortgage experience.  In less than 10 minutes, you can complete the application process from your phone, tablet, or desktop. Our system features bank-level security without the frustration. Your Loan Pro is available if you need help along the way – simply click on their photo at the top of your screen!

3. Prequalified

Once you set up your private login credentials, complete the online application and confirm your rate. You will see the best rates to streamline your selection, and you will also have access to many additional choices on the bottom of your screen. Your Loan Pro will review your application and contact you shortly. Within LoanKey, there is a list of documents you can begin uploading in the meantime. If you’re buying a new home, your Loan Pro will send your prequalification letter to you as soon as possible – now you can begin shopping with confidence!

4. Conditions Collected

Once you e-sign your Loan Estimate to move forward, you’ll be introduced to your own personal Loan Processor! Your processor will help you gather and upload all of the documents needed for your mortgage.

5. You’re Approved

Congratulations! Once you e-sign your Closing Disclosure, you’re able to close in three business days. Your loan becomes ‘Clear to Close’ and it’s time to close and fund your new loan!

6. All Done

Enjoy your new or refinanced home! You’ll sign the final documents at a closing agent’s office, or sometimes at home, depending on where you live. Your Loan Pro is here for you even after your loan closes. We’ll send you tips on what to do after closing and will remain in your corner. We’re ready to help!

Prequalify in Minutes

Become prequalified faster than it takes to brew your morning joe.