How We Make Mortgages Simple
From your first call to closing day, The Pyne Team guides you with expert advice, a clear process, and personalized support every step of the way.
How We Simplify the Mortgage Process
At The Pyne Team, we know that the mortgage process can feel overwhelming. That’s why we’ve built a proven approach designed to remove confusion, simplify each step, and give you the confidence to move forward.
For more than 20 years, we’ve helped clients achieve their homeownership goals — from buying their first home to building lasting wealth through real estate. Our philosophy is simple: no two clients are alike, so every financing solution should be tailored to your unique needs. We combine industry expertise with a personal touch—ensuring you always feel informed, supported, and empowered to make the best decision for your future.
From your first conversation with us to the moment you close on your home, our team is here to guide, explain, and support you at every step. Whether it’s answering questions after hours, comparing loan options, or walking you through closing paperwork, we’re committed to making your mortgage experience transparent, seamless, and stress-free.
Our Proven Mortgage Process
We believe the key to a stress-free mortgage experience is having a clear plan. That’s why we’ve created a step-by-step process that guides you from the very first conversation to the day you close on your home. Each stage is designed to keep things simple, transparent, and tailored to your needs.
When you work with The Pyne Team, you’ll always know what comes next, what to expect, and who’s handling the details. Whether you’re a first-time buyer or a seasoned investor, our process ensures you get the right loan, the right advice, and the right support—every time.
Our Simple Mortgage Process
Getting a mortgage shouldn’t feel overwhelming. At The Pyne Team, we’ve built a clear, step-by-step roadmap that takes you from our first conversation to closing day with confidence. No jargon, no confusion — just expert guidance, proactive communication, and a smooth experience from start to finish.
Initial Conversation
We start however you're most comfortable: phone call, video chat, or jumping right into the application. This first step helps us understand your goals and build a plan to get you there
Apply & Share Documents
Next, you’ll complete your application in our secure online portal. It’s helpful to have your income and asset information handy, but we also offer a true digital mortgage experience. This means if you can link your payroll and banking information, you might not need to provide any physical documents at all. This step gives us everything we need to get you fully approved faster.
Upfront Underwriting
What sets us apart is that we fully underwrite your loan right from the beginning. This means your file is thoroughly reviewed up front, giving you a stronger offer and often a quicker path to closing. It’s our way of making the process as smooth and stress-free as possible for you.
Home Search & Offer Support
As you search for your new home, we’re with you every step of the way. We provide clear and comprehensive loan scenario presentations so you can see your options at a glance, answer all your financing questions, and help you strategize to make your offer as competitive as possible. Our goal is to make sure you’re shopping with confidence and ready to move quickly when you find the right property.
Under Contract
Once your offer is accepted, we lock in your interest rate, order the appraisal, and finalize any remaining details. Because so much of the work is already done upfront, this stage is smooth and stress-free. Our team will guide you through each step and keep you and your agent fully updated as we move toward the finish line.
Final Review & Clear to Close
Now we just cross the t’s and dot the i’s. You’ll receive clear updates, and we’ll make sure you feel confident and fully prepared for settlement.
Closing Day & Celebrate
It’s the moment you’ve been waiting for! On closing day, you’ll sign the final paperwork and receive the keys to your new home. Time to celebrate! But our relationship doesn’t end there. You can always count on us for guidance, support, and mortgage advice whenever you need it.
Meet the Team
Meet the dedicated professionals behind The Pyne Team. With decades of combined experience, we’re here to guide you through every step of the mortgage process with clarity, care, and confidence.
John Pyne
SVP, Regional Manager
Devin O'Reilly
Mortgage Banker
Dawn Pyne
Brand Manager
Kelli List
Mortgage Banker Assistant
Lara Favella
Processor
What Our Clients Say
Your mortgage experience should feel personal, transparent, and stress-free. But don’t just take our word for it — hear from the homeowners and partners who’ve trusted The Pyne Team.
Learn More with Our Video Library
Get answers to your biggest homebuying and refinancing questions directly from The Pyne Team. Our YouTube channel is filled with short, easy-to-follow videos covering everything from first-time buyer tips to refinancing strategies—so you can make confident decisions at every step.