The conversation
Trey or Mandie15 minutes
What you’re trying to do, roughly what you earn and have saved, and what you’re nervous about. We tell you which programs fit and what a real pre-approval will need.
The process
Eight phases. You’ll always know which one you’re in.
The mortgage process only feels chaotic when nobody tells you what’s next. Here is the whole thing, with the person on The Jordan Team responsible for each phase and how long it usually takes in Fort Bend County.
Pre-approval
Mandie24–48 hours
You apply through Fairway’s secure portal and upload pay stubs, W-2s, bank statements and ID. Mandie reviews everything the way an underwriter will and issues a pre-approval letter you can actually make an offer with.
House hunting
You + your agent · Trey on callDays to months
Send any address and we’ll price the real payment — Fort Bend tax rate, MUD, insurance estimate — in minutes. Your pre-approval letter gets updated to match each offer.
Offer & option period
Leo5–10 days
Under contract in Texas means an option period for inspections. Leo locks in your loan file, orders the appraisal, and gives you a written list of what’s outstanding.
Processing & appraisal
Leo1–2 weeks
The appraisal is ordered, your insurance is bound, title work begins, and your file is packaged for underwriting. Leo texts you at every milestone.
Underwriting
Trey3–7 days
A Fairway underwriter reviews the full file. Conditions come back; Trey structures the answers. This is where preparation in step 2 pays off — well-built files clear quickly.
Clear to close
Leo + title company3+ business days
Underwriting signs off. The Closing Disclosure — your final numbers — goes out at least three business days before closing. You review it with us line by line.
Closing day
Everyone~1 hour
You sign at the title company, funds are wired, and the deed records. Keys. Then Chelbi sends you what you need to file your Texas homestead exemption.
Milestone communication
You never have to ask “any update?”
Every phase change gets a text from the team — to you and to your Realtor — before you think to ask. Loan submitted. Appraisal back. Conditions cleared. Clear to close. Wire instructions verified by phone. That’s the system Trey built the branch on.
Trey JordanBranch Manager & Loan Originator
Chelbi JordanMarketing Manager & Agent Relations
Leo GarciaLoan Officer Assistant
Mandie BiskupPre-Approval Specialist
sorry to bug you — where are we at?
Never a bother. Appraisal came in at value this morning and underwriting has the file. I’ll text you the second conditions come back — probably tomorrow. You’re on track for the 28th.
Want to start at phase one?
Text Trey. The first conversation takes fifteen minutes and needs zero documents.