Find the mortgage that fits your life
We believe your home journey should be straightforward and personal. Whether you're a first-time buyer or refinancing, our team is here to guide you through every step with clarity and support.
Your path to homeownership in three simple steps
We've designed our process to be transparent and manageable. Each stage builds on the last, moving you closer to keys in hand with confidence and clarity every step of the way.
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Complete Your Application
Tell us about yourself and your financial situation. Our online form takes about fifteen minutes and keeps your information secure. You'll receive a confirmation once we receive it, and our team will reach out within one business day.
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Review and Verify
We'll request documents to verify your income, assets, and employment. This step helps us understand your full picture and work toward an approval timeline that works for you. We guide you on exactly what we need and why.
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Close Your Loan
Once everything is verified and your loan terms are clear, we'll schedule your closing. You'll review all documents with a notary, sign, and receive your funding. Our team ensures you understand every page.
Why Choose Redwood Crest
Mortgages built around people, not just numbers
We understand that applying for a mortgage can feel overwhelming. Between financial disclosures, document requests, and industry jargon, the process itself becomes another barrier to homeownership. That's why we built Redwood Crest Mortgage differently.
Our loan officers are trained to listen first. They take time to understand your situation, your timeline, and your concerns. When you call or email, you're not reaching a queue. You're reaching someone who wants to help you succeed.
We offer a range of loan programs because your circumstances are unique. A first-time buyer faces different considerations than someone refinancing. A self-employed professional has different documentation than a salaried employee. Rather than fitting you into a standard box, we work with you to find an option that makes sense.
Transparency matters to us. We explain what each step requires and why. We discuss costs upfront. We answer questions patiently, no matter how many times you ask. Your comfort and confidence throughout the process isn't just a courtesy—it's central to who we are.
From application through closing, you'll work with people who genuinely care about your outcome. That's the Redwood Crest difference.
Common questions about the mortgage process
We've answered the questions we hear most often. If you need clarity on something else, reach out directly. Our team is ready to help.
What documents will I need to provide?
We'll need to verify your income, assets, and employment history. For most applicants, this includes recent pay stubs, tax returns from the past two years, bank statements, and a government-issued ID. If you're self-employed, we may need additional documentation. We'll provide you a complete list once you start your application, and our team can answer questions about any item we request.
How long does the approval process take?
Most applications move through our review within a few business days. The timeline depends on how quickly you provide documentation and how straightforward your financial situation is. We'll give you a realistic estimate once we review your application. We keep you updated throughout the process so you're never wondering where things stand.
Can I apply online or do I need to visit an office?
You can start your application online anytime, from any device. The entire process is designed to work digitally. Once you've submitted your application, all communication and documentation can happen over email and phone. We also have loan officers available by video call if you prefer face-to-face conversation. An office visit is never required.