Our unique system allows us to close a purchase transaction in as few as 10 days and a refinance transaction in as few as 14 days!

DAY 1

• You submit an Online Application which takes less than 20 minutes to complete.  The Online Application is analyzed and approved online by our Automated Underwriting System.
• You lock your rate online.  You receive a same day Lock Confirmation by email confirming the loan program, loan amount, rate, points or rebate and guaranteed lender fee. 
• We assign your application to a Loan Processor who provides you with a list of required supporting documentation (copies of pay stubs, etc) which you compile and transmit to your Loan Processor by fax or email.
• We order an appraisal from one of our preferred appraisers in your area who has committed to a turnaround of seven days or less.
• We order title information from the title insurance company.

DAYS 2-6

• We address any issues in your supporting documentation or credit report.
• We underwrite your file in-house and approve your loan subject to review of appraisal and title report.

DAYS 7-9

• We receive and sign off on your appraisal and title report.
• We email an estimated closing statement to you to review.
• We draw loan documents and send them to your closing agent or attorney (if purchase) or a mobile notary (if refinance).
• You sign your loan documents at your closing agent or attorney's office (if purchase) or your home (if refinance).

DAY 10

• If Purchase Transaction, LOAN FUNDS

DAYS 10-13

• If Refinance Transaction, three day right of rescission runs.

DAY 14

• If Refinance Transaction, LOAN FUNDS

* Note: In some states and counties, appraisal and title company issues outside of our control may extend the closing process beyond 10 days for a purchase transaction and 14 days for a refinance transaction. Your Loan Processor will provide you with an estimated timeline for your specific transaction during their initial call to introduce themselves upon receipt of your application.


What Our Customers Say!