Real Estate Professional
Sandra Warfield

The Mortgage Process

Here are the key steps in the loan process that will lead you home:

  1. Talk to a loan officer:

Your first step should be to talk to a mortgage loan officer. This professional will help you determine how much you qualify for and your financing options. There are many different loan products available so the loan officer can match your situation to the best loan for you. Check out our Mortgage Marketplace to get a quote!

  1. Submit an Application:

Complete your mortgage application at your convenience through an online application. Most lenders offer on-line applications as an easy place to start. This allows them to get all of the pertinent information directly into their system.

  1. Pre-Approval Letter:

Upon finding a home, your lender will provide your Realtor with a pre-approval letter to submit with the offer.

  1. Work together through final approval:

After your offer is accepted, your loan officer will work closely with you and your Realtor to ensure you move through the process checkpoints to final approval.

  1. Closing on your loan.

Prior to loan closing, your loan officer will review the Closing Disclosure with you. This document tells you the exact funds needed and documentation to bring to closing with you.

On closing day the final documents are signed at the title company and you receive keys to your new home!

About Sandra Warfield

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Sandra Warfield


612-845-4833612-845-4833 mobile

13875 Hwy 13 S, Savage, MN 55378



Sandra was wonderful to work with. Knowledgeable, kind, professional and any other positive adjective you could come up. Her patience was appreciated. She also sold our home. It was on the market one week!


We worked with Sandra to sell our home and find a new one. She has been with us for the long haul - we reached out to her last fall for advice on getting our house ready for the market, and listed in the spring. Her expertise helped us see things from a... (more)


Sandra listed and sold our home quickly. She knows the local market did a fantastic job in marketing, negotiating and selling our property. It was very painless on our part and we cannot thank her enough for doing a great job. If we are ever in the MN market... (more)

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