Applying for a mortgage with RMO is a step-by-step process designed to guide you from pre-qualification through closing.
Step 1: Pre-Qualification
Log in to MyRMO and navigate to "Mortgage" then "Get Pre-Qualified." Provide basic financial information to receive an estimate of how much you may be able to borrow. Pre-qualification does not affect your credit score.
Step 2: Pre-Approval
For a stronger offer when house hunting, submit a full pre-approval application through MyRMO. This includes a credit check and income verification. A pre-approval letter shows sellers you are a serious buyer.
Step 3: Find Your Home and Apply
Once you have a property under contract, complete the full mortgage application through MyRMO or schedule an appointment with an Expert. You will need to provide the purchase agreement and property details.
Step 4: Underwriting
RMO reviews your application, verifies documentation, and orders an appraisal of the property. This typically takes 2–4 weeks. Your Expert will keep you updated and request any additional documentation needed.
Step 5: Closing
Once approved, you will review and sign closing documents. Your Expert will coordinate the closing date and walk you through every document before you sign.
To start the process, log in to MyRMO or schedule an appointment through MyRMO or by calling us.