Fill out our application.
 
Work with an Approval Specialist to provide any necessary documentation. Please check your email (and spam folder) frequently and promptly return phone calls. We often have follow-up questions during this step and the faster you respond, the faster we can reach an approval decision.
 
Meet your Customer Experience (CX) Manager, who becomes your point of contact at Homeward point once you’re approved.

Search for a home that meets your criteria if you haven’t already found one.

Work with your agent to submit an offer request to us.
 
Sign our Service Agreement Addendum.
 
Research your financing options and choose a lender. If you're using Homeward Mortgage, schedule a call with your Loan Advisor to review the loan terms and pricing.

Submit an offer request through their Agent Dashboard.
 
Work with your CX Manager to write a Homeward Cash Offer.
 
Submit the Homeward Cash Offer to the seller’s agent.

The Valuations team reviews the home you want to make an offer on to determine if it's eligible for our program.

Pay your earnest money deposit (EMD) and option fee, if applicable.
 
Work with your lender to finalize the details of your loan.
 
Sign the Customer Purchase contract and addendums, securing your purchase and possession of the property and agreeing to buy your new home from Homeward within six months.
 
Work with the Transaction Support team and your agent to sign the residential lease so you can rent your new home from us while you wait for your mortgage to be finalized.

Work with your CX Manager to draw up the Customer Purchase contract and addendums you’ll sign.
 
Return the home inspection report to your CX Manager for review. Agree on any next steps.
 
Capture any price and/or credit negotiations in amendments to both the Homeward Purchase and Customer Purchase contracts.

The title team completes a title examination, issues a title commitment, and discloses all exception documents to purchase the home.
 
We order a preliminary appraisal of the home and receive the report within five days. Your CX Manager will reach out to review it with you.
 
The Mortgage Processor initiates your loan.

Move in!  Quickly!

Give you your keys on closing day.

Your prorated rent starts accruing on the new home.

Your lender will order a final appraisal of the home. We used a preliminary appraisal for the Homeward Purchase. But mortgage regulations dictate that your final appraisal be dated after the Homeward Purchase.
 
Work with a Mortgage Processor to collect all necessary documents and work towards getting the clear to close.
 
Discuss your closing disclosure (CD) with your Loan Advisor.

Verify the lender is using the most up-to-date and complete version of your purchase contract.

We provide you with a final rent invoice and any applicable discount credits.
 
Your title company works with your lender to prepare to close on your new home.