Our Mortgage Process

You are ready to find the ideal loan to buy a home in Massachusetts. But how does the mortgage process work?

Here at Style Mortgage, we keep the process fast and easy.

Let’s go over how the mortgage process works, step by step.


Schedule a consultation.

Give us a call at (508) 223-5206, and we will schedule your consultation.


We review your information and answer your questions.

Next, your consultation takes place. At your consultation, you share your financial information with us and what you are looking for in terms of a mortgage.

In turn, we can answer your questions about home loans and help you figure out how much home you can afford and what types of loans may suit you.


Fill out your mortgage application.

After you decide what type of mortgage to apply for, it is time to fill out your application.

We will also need documentation from you at this stage, including your W-2s, employment papers, pay stubs, and bank statements. The exact list of documents will depend on the type of mortgage for which you are applying.


We handle appraisal and underwriting.

The next steps include the appraisal and the review of your financial documents. Our team will take care of all the details, and let you know if we need anything additional from you for pre-underwriting.


We grant conditional approval on your loan.

Next, you receive conditional approval for a mortgage and a loan commitment. We will inform you of the conditions you need to meet for final approval.


If pending documents are needed, we submit them.

More documents may be needed to move forward with the final approval process. We will request documents from you and from third parties to give to the underwriter for final review.

If there are any outstanding conditions you have not yet met, you will need to do so at this time.


You receive final approval.

Once the underwriter has all of the documents they need, they can sign off on your loan and give you final approval!


Closing time is here.

Now you can close on the home and finalize the sale! You will finish your paperwork at this time. If you owe any closing costs, you will need to pay them. You will then receive the keys to your new home.

See What Our Clients Are Saying About Us!

John Ribeiro
John Ribeiro
11:25 06 Aug 22
Ken DelMastro was the best! He went above and beyond what I though a loan officer would do. Answering all my questions whenever I asked, and putting client first. Great guy to work with. Highly recommend!
Alexandra Van Buren
Alexandra Van Buren
12:31 16 Jun 22
I had an amazing experience with Style Mortgage! They answered all of my questions as a first time homeowner and were so kind and patient! They were always available and extremely timely in all responses. I 10/10 recommend, they will make your home buying experience as easy and seamless as possible!
Eduardo Pires
Eduardo Pires
16:32 09 Apr 22
I’m a investor and buying, selling and refinancing is part of it, the process is always long and stressful but I am amazed by Iris Laaperi on how quick she refinanced my home. She was able to close my loan in only 7 days. Super smooth process. Super recommended!
Sander Alves
Sander Alves
20:01 04 Apr 22
From the start day through the closing they did a really great job. I highly recommend Style Mortgage.
Ken DelMastro was the agent I had the pleasure of dealing with for my home refinance and he made my experience fantastic. He had the answers to all my questions and helped me navigate through the process seamlessly. Ken was very knowledgeable and always available whenever I needed him. I’ve already recommended Ken to several friends due to his professionalism and expertise. Thanks Ken. Keep up the good work.
Sheri Bishop
Sheri Bishop
21:37 15 Feb 22
Ken is always such a pleasure to work with. His knowledge and expertise of the mortgage world, products Style has to offer and ability to loan to even the most unique of situations is astounding. He has a portfolio of "out of the box" in house products that has saved many deals for me. When we get to the closing table he has always been right there with us. Every one of my clients has been ecstatic with the service Ken provides. Ken is my go to for all my clients. I highly recommend him and Style Mtg to everyone!!!
Giulio Aceto
Giulio Aceto
13:50 14 Feb 22
I would highly recommend this bank for all your banking needs! I recently had a closing with Ken DelMastro and his staff. Ken and his staff went above and beyond to help us on a timely manner to get our closing done. Great job team! Looking forward to future business together.
David Lefebvre
David Lefebvre
23:15 01 Feb 22
Iris went above and beyond-explaining everything and helping me with the computer stuff.
Milton Perez
Milton Perez
15:28 11 Jan 22
I can honestly say Loan officer Iris Laaperi made my home refinancing experience a very pleasant one. From our first conversation she explained each and every option that was available to me and I never felt pressured into any decision. My phone calls were handled in a professional and timely manner. All in all I really couldn't imagine the refinance of my home process being any easier. I have previous experiences with other banks since I own several properties in MA, and I was amaze on how Iris handled the process, she went above and beyond!Even now that the transaction in completed, I would still feel 100% comfortable calling Iris with any questions. She extended her expertise beyond the scope of the business deal and I look forward to contacting Iris for my next home purchase. Thanks for everything Iris!! we will definitely send more referrals on your way.
Mitch Krzyzek
Mitch Krzyzek
17:19 18 Dec 21
I had an A+ experience working with Ken DelMastro at Style Mortgage. I had been thinking about refinancing my home, so I worked with Ken to see if a refinance would make sense. It did! I was able to refinance for 15 years, shaving 1.5% off my 30-year mortgage rate and reducing my years left on the mortgage from 20 to 15. The process was painless as you complete all documentation online, and the closing was as easy as can be. Do yourself a favor and contact Ken at Style Mortgage - he's friendly, professional, and there's no pressure at all. Thanks!
Rogier B
Rogier B
01:57 23 Sep 21
It was a great pleasure working with Chris Morey and the team at Style Mortgage. We started working together in the middle of the tough 2021 housing market, and Chris helped us craft a winning bid. He was always available and very responsive, helping us understand the subtleties involved and feel confident throughout the whole process, from putting in the bid through the closing. We would highly recommend Chris and Style Mortgage to anyone looking for help with mortgage financing.
Frank Ottati
Frank Ottati
21:05 07 Sep 21
Great experience working with Paul and the Style Mortgage team.
Jane Mangili
Jane Mangili
20:16 01 Sep 21
I recently worked with Ken DelMastro and Style Mortgage to refinance my home. I must say it was a wonderful experience every step of the way. How many people can say that when trying to get a mortgage or refinance? :D. Ken made it easy and minimized the stress associated with applying for a loan. Ken was knowledgeable, attentive and always available to answer my questions. He follows up in a timely manner and managed my expectations as to what will happen throughout the process. He also was very helpful in recommending qualified contractors that could help me once my refi went through. Even the closing process was uneventful. I would not hesitate to recommend or to use Ken and Style Mortgage again in the future. Thank you so much!!!!!
Lisa Hayes
Lisa Hayes
14:46 31 Aug 21
I had a great experience here. My loan originator , Paul Reynolds was so great. He was very pleasant to talk to. He helped me out with anything I need and explained in detail. I would strongly recommend this place for your mortgage company.

Apply for a Home Loan in Massachusetts Today

As you can see, applying for a home loan through Style Mortgage is a simple process. But we will be here to guide you through it one step at a time.

Ready to apply? To schedule your consultation now, please give us a call at (508) 223-5206.