Our Process

120-Day Blueprint From Application To Close!

Building Stage

Step in the Process


Day 1

Permits | Footings | Foundation


  • 1003
  • Disclosures
  • Required Docs
  • Submittal


Permits | Footings | Foundation

Mortgage Loan Coordinator Outreach “Welcome”


Permits | Footings | Foundation

Mortgage Loan Officer & Mortgage Loan Coordinator Clear Initial Conditions


Permits | Footings | Foundation

Initial Underwrite & Conditional Approval


Day 30

Framing | Mechanical Rough | Roofing

30-day Foundation Check-In


Framing | Mechanical Rough | Roofing

50-Day Check-In
Construction Updates Closing Forecast

Day 60

Drywall | Paint 

Closing Preparation Checkpoint
Banking Investor Checkpoint Phone & Email


Drywall | Paint 

Mortgage Loan Coordinator Condition Follow-Up


Day 90

Drywall | Paint 

Mortgage Loan Officer Rate Lock


Trim | Finish | Final Walk

Close Date Set


Trim | Finish | Final Walk

Mortgage Loan Coordinator Clearing Final Conditions

Day 120


Groundwork Mortgage
643 Cepi Drive
Chesterfield, MO 63005
(636) 537-1005

© Terms and Conditions: This is not a credit decision or a commitment to lend. Credit is subject to approval. Monthly payment and interest rate vary based on borrower’s qualifications, credit score, actual closing costs and other variables. Additional programs may be available. Depending on your situation, mortgage insurance may be needed which will increase the monthly payment and APR. Rates are subject to change without notice. Restrictions apply. Subject to full application and underwriting. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.