How It Works — The Xanadu Home Loans Process

A 15-minute conversation about your goals, timeline, and comfort zone. No credit pull, no forms.

We do a soft credit review and issue a real pre-qualification letter — usually within 24 hours.

Shop with your realtor knowing your budget is real. We update letters instantly for offers.

Once you're under contract, we compare 40+ wholesale lenders for the best pricing on your file.

Secure upload portal. We tell you exactly what we need — no fishing expeditions later.

We order the appraisal, coordinate with title, and keep you posted every step.

The lender's underwriter reviews everything. We handle conditions so you don't have to.

Sign at the title company, get your keys, and celebrate. Champagne is on you.

Document Checklist

What you'll need to have handy

Two most recent pay stubs (or 2 years of returns if self-employed)
Two most recent months of bank and asset statements (all pages)
Two years of W-2s or 1099s
Photo ID for each borrower
Any divorce decrees, bankruptcy discharges, or child-support orders (if applicable)
Signed purchase contract once you're under contract

Missing a document? Don't stress. We can usually pull most of it for you or work with alternatives.