Our Mortgage Process

With Ascend Mortgage, the loan process is a simple process. Here is how it works.



1 Start with a call or online meeting.

Call us at (248) 775-1275 to schedule your virtual consultation, or schedule a time here https://calendly.com/sean-ascend/30min

During the phone or video call, we will discuss your home financing goals, and collect some basic information so we can make a suitable plan.

2 Choose your mortgage product.

We lay at your financing options with easy-to-understand tools to show you the plans that are in your best interest.

3 Get pre-approved.

Our pre-approval is really an approval! We take it a step further than most lenders. We have real humans underwrite your loan in advance to make you more like a cash buyer. This will allow you to close faster and help you bargain with sellers.

4 Go Shop for your dream home.

Along with your real estate agent, we position you to stand out as the best offer, even if it isn’t the highest.

5 We take care of appraisal and title.

Appraisal and underwriting re-submission take place after you have a contract. You will receive an email or a text if we require any action from you

6 You receive conditional approval.

We issue a loan commitment. You now have conditional approval for your mortgage.

7 We submit pending documents.

You will receive a text or email if we need any more documents from you. We submit any that are still pending.

8 You receive final approval.

Once final underwriting is complete, you receive final approval for your home loan.

9 Closing time has arrived.

The last step is closing and receiving your keys. You now can move into your new home.

See What Our Clients Are Saying About Us!

Nicole Standard
Nicole Standard
14:45 03 Jun 22
Trevor Cox
Trevor Cox
15:34 16 May 22
If you are looking for a rockstar team to help with your lending needs, then reach to Sean and his team at Ascend Mortgage! Through every step of the process they were always there for us if we had questions and were very knowledgeable about market conditions. Their team was on top of everything in which helped us close fast! I have worked with this team twice in the past 5 years and would recommend anyone to them!
Zachary Wagner
Zachary Wagner
18:17 11 May 22
My wife and I just purchased our first home and worked directly with Sean, Ben, and Maria. We had many questions and each of them on separate occasions reached out quickly and were a major help to us. We highly recommend using Ascend Mortgage as they are very smart and more than capable of going the extra mile for there customers!
Britney Glowe
Britney Glowe
21:35 03 Apr 22
The team at Ascend Mortgage was so great to work with. They communicated quickly and efficiently, and helped make the entire process smooth and easy to navigate.
Brooke Busse
Brooke Busse
02:33 04 Mar 22
This company is amazing! They did everything possible to make sure I was in the best position to have an amazing offer on a house. The lender would call the listing agent and send him videos on my behalf. On top of that, they were able to close on my house in 20 days. I would recommend this company to anyone looking to buy a house.
Maya LaFlamme
Maya LaFlamme
23:20 01 Feb 22
Our realtor recommended Sean at Ascend Mortgage along with a couple of other local lenders. We ultimately chose Sean because the platform and website was extremely user friendly. Honestly, we couldn’t have picked a better lender as first time home buyers. Sean answered all of our questions before we even asked. He is so knowledgeable, warm and treated this process with so much care. At no point did we feel ignorant, abandoned or judged. Even when we had to talk about our finances (my credit score was very, very low) I didn’t feel shame or embarrassment. Sean came up with a plan that helped my credit and put us in a position for a potentially better interest rate in the future. Ben and Maria put in so much administrative work and answered all of our questions quickly and kindly. I loved how easy the portal was to upload our documents and see when they’re been reviewed and accepted. Every step of the way Ben, Maria and Sean kept us in the loop and was clear about the pace in which we should do things without making us feel rushed and stressed. Every step of the way Ben, Maria and Sean kept us in the loop and was clear about the pace in which we should do things without making us feel rushed and stressed. Maria and Ben especially showed up strong during the underwriting process. We had a grant and they were incredible juggling the needs and priorities of our funder and the lender.All in all, this experience was amazing and easeful. I would use Ascend again, again and again.
Darrell Niedzwiecki
Darrell Niedzwiecki
12:18 14 Jan 22
Sean Chamberlain and his team did a great job assisting us with a home loan! Sean in particular did an excellent job explaining and assisting with every step in the process. We found his use of video messages very helpful.
Denise Roe
Denise Roe
18:57 24 Dec 21
This is our 7th home purchase and I can say, without a doubt, Ascend mortgage was by far the best mortgage company we have ever worked with. Sean was phenomenal to work with and extremely knowledgeable on financial planning and strategy. Thank you to the Ascend team!
Jeff Roe
Jeff Roe
21:04 22 Dec 21
Sean and his team did a fantastic job handling our mortgage for our vacation home in Michigan. He was extremely easy to work with and explained everything along the way, making this a very painless process for us. I can't recommend Sean and his team at Ascend Mortgage enough!
Thomas Parkhill
Thomas Parkhill
13:34 28 Nov 21
I have had the pleasure of working with Ascend Mortgage and Sean Chamberlain previously. This year I had the privilege of working with Sean's assistant, Maria Janiszewska-Chamberlain and Operations Manager, Ben Daiek, who helped me get everything electrically signed, and ready to go to the Transnation Title Company in Clarkston. Ben was extremely helpful and very patient with an old guy who is not very sharp with new technology on my computer and cell phone. Ben also delivered my documents to my residence.I don't know about other mortgage companies, but I would highly recommend Ascend Mortgage LLC with Sean Chamberlain and his team with Maria and Ben for a wonderful experience my wife, Cindi and myself received.Thomas H. Parkhill
Ciaran McQuiston
Ciaran McQuiston
23:42 23 Nov 21
We absolutely loved working with the team at Ascend! We wouldn’t have gotten our home in this competitive market without the speed with which they could promise to process our mortgage. They were also incredibly friendly, professional, and easy to work with. We had an amazing experience. 10/10!
Maria Janiszewska
Maria Janiszewska
19:56 16 Nov 21
Drake Jarmon
Drake Jarmon
12:35 22 Sep 21
Working with Sean and his team was extremely easy! Very professional and quick to respond. Always available, day or night, to answer any questions that we had. Up to date technology!! Highly recommend for the purchase or refinancing of your home.
Stefan Anderson
Stefan Anderson
16:07 17 Sep 21
Great experience overall. They took a personal approach to educate us on our home buying journey to ensure we knew what to expect to aid us in our decision process.
Tony Yancey
Tony Yancey
20:22 20 Aug 21
Wes Evans
Wes Evans
21:49 06 Aug 21
I met Sean chamberlain and his excellent team during at service call at his office.After talking about the results of his AC diagnosis we began talking about life and finances Sean is very easy to talk too and has great advice for first time and longtime homeowners.When it comes to making financial decisions I HiGHLY recommend Sean and his team at ascend mortgage to anyone looking to refinance there home.Anytime I had a question either him or his team were right there to make sure I had an answer quickly
Ashlynn Graff
Ashlynn Graff
18:12 02 Aug 21
We have used Sean and his team at Ascend Mortgage for a new purchase and two refinances. I am a former real estate agent and have worked with many different mortgage companies. Ascend Mortgage is by far the best! The rate is always the lowest I can find. They are extremely responsive and transparent. I get weekly updates from them that shows me my current house value and neighborhood trends. They contact me when I can save money on my mortgage and get a better rate without pestering me. They are just all around great people. Thank you Sean, Ben and Maria!
Dan Lupo
Dan Lupo
17:48 26 Jul 21
I primarily worked with Ben Daiek and Sean Chamberlain at Ascend Mortgage and they made this process quick, easy and understandable. It was painless and way less intimidating than I thought it would be. They got me a great rate and there’s nothing more that I could ask for or that I would change about my experience.
CoMi ProVa
CoMi ProVa
03:43 20 Jun 21
Ascend mortgage has been amazing, thanks to them we were able to get an amazing rate, the communication was consistent and extremely pleasant and we were able to buy our dream house in a crazy market. Thank you Ascend team, you are awesome!
Greg Tony
Greg Tony
20:46 24 May 21
We had a great experience working with both Sean and Ben! The team is very responsive and they were able to answer all of our questions.
Caitlin Wysocki
Caitlin Wysocki
14:08 28 Apr 21
Ascend Mortgage made the process of buying my first home so easy! Sean, Maria, and Ben were extremely helpful and I’m so glad we chose their team. Sean sends personalized videos in all his emails which makes it so easy to communicate. They were all very invested in our home-buying process and it truly felt that they cared about us. They were always available any time I had questions and I would recommend them to anyone I know buying a house.
Kelli Joubran
Kelli Joubran
23:32 18 Mar 21
Sean, Ben, and Maria made the financing process of buying my new home so easy! Their professionalism, knowledge, responsiveness...5 stars! I'd recommend Ascend mortgage without hesitation.
Denise Mckibben
Denise Mckibben
20:10 18 Mar 21
Sean and his team are fast responding and very professional!! This is the 3rd time we have used Sean Chamberlain. And we will continue to!
Aleaha Begum
Aleaha Begum
01:51 18 Mar 21
Deciding to work with Ascend Mortgage was the best choice we could have made as a first time home buyer. Right from the start, Sean was fully committed to providing everything we needed to be a well informed client. Sean spent hours meeting with us through Zoom answering all the questions we had. He explained everything in easy to understand terms and was very patient, making sure that we were satisfied with the details of everything involved all along the way. Sean helped guide us in many crucial decisions, laying out the pros and cons of each. Ascend mortgage went above and beyond to get our offer accepted on our home by calling listing agent or sending recorded videos about how strong our loan was and close in record time. Sean and his team went above and beyond in more ways then I have space to write about. We look forward to continuing working with Ascend Mortgage in the future. Thank you Sean, Ben and Maria for your wonderful service. We appreciate you all so much.
Kyle Chavez
Kyle Chavez
14:43 08 Mar 21
Sean and the team were very responsive throughout the whole house-buying process. They got me a great rate and were able to close on my house extremely quickly. 5/5 would mortgage again.
Jihad Allan
Jihad Allan
22:13 28 Feb 21
I got to know Sean in 2013 when I purchased my house. After checking with other companies I always went back to Sean knowing he will give me an honest answer. Sean and his team are wonderful people. Excellent customer service. Sean is a friend. I feel very comfortable working with him and his team. I definitely recommend Ascend Mortgage. Check them out and you will be happy.
Sung Ahn
Sung Ahn
18:05 26 Feb 21
Ascend Mortgage has great people to work with. My experience with them was really good. I was able to close my home on the date I've originally planned.
Amanda Box
Amanda Box
19:53 19 Feb 21
Great to work with! They made the process very easy and answered all my questions. This is the second time that I've had the pleasure to refinance with Sean, and it has been a great experience both times.
Sara Reifman
Sara Reifman
20:25 18 Feb 21
Sean is quick to respond to all my questions, and he is very knowledgeable and experienced. I have felt like I was in great hands throughout the whole process, and even though I closed on my house almost a year ago, Sean still makes himself available to help me.
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Apply for a Mortgage Now Anywhere in the US

If you want to learn more about how the mortgage process works or you are ready to begin, please give us a call today at (248) 775-1275 to schedule your consultation.

Ascend Mortgage works with homebuyers in Michigan and Florida where we are based and throughout all 50 states.