From first call to keys in hand — here's exactly how it works.

We start with a free conversation on WhatsApp or phone. You tell us what you're looking for — new home, plot, balance transfer — and roughly your income and property status. We tell you honestly whether you're in the ballpark, and what the realistic loan amount and EMI will look like.

We give you a precise checklist based on your employment type (salaried, self-employed, business owner) and the loan product. No sending 40 documents "just in case." We coordinate over WhatsApp, and where needed we can pick up physicals in Bangalore.

We run your profile through the CSC Loan Mitra platform and our internal lender matrix. This tells us which banks are likely to approve you, at what rate, and for what tenure — before we ever formally submit an application. Rejections at this stage are free; formal ones hurt your credit.

We shortlist 1–3 lenders that fit best on rate, tenure, processing time, and approval likelihood. Once you pick, we submit the formal application and stay in constant touch with the branch — chasing verification, sanction, and legal/technical checks.

Bank issues a sanction letter with the approved amount, rate, and conditions. We review it with you in plain language so you know exactly what you're signing up for.

Property paperwork, legal verification, and disbursement to the seller/builder. We coordinate the final step so the funds move on time — because on a home purchase, a delayed disbursement can cost you the deal.