HOW IT WORKS
Simple. Start to close.
A clear 5-step path from first conversation to closing — typical files close in 20–30 days, with appraisal-waiver files closing as fast as 10 days (subject to TRID timelines).
- 1Day 1–2
Consultation & Pre-Approval
- Review goals and loan options
- Pull credit and run numbers
- Issue pre-approval once documents are received
- 2Day 1–2
Application & Documents
- Complete the online application
- Upload required income and asset documents
- Most borrowers finish this in 1–2 days
- 3Day 1
Loan Shopping & Rate Lock
- Compare programs and payments
- Select the best-fit loan option
- Lock the rate the same day once documents are in
- 4Day 2–7
Processing, Disclosures & Appraisal
- Initial disclosures sent for e-sign
- Processing orders verifications
- Appraisal takes 5–7 days (waiver possible on qualifying files)
- 5Day 10–30
Underwriting & Closing
- With appraisal waiver: closings as fast as 10 days (TRID timelines apply)
- Standard files close in 20–30 days
- Final conditions cleared → closing scheduled
Bottom line
Straightforward files can close in as little as 10 days. Most files close in 20–30 days. We tell you upfront which path your file is on.