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 by our Automated Underwriting System and approved within 60 seconds. 
• Immediately following your Online Loan Approval, you lock your rate online.  A $300 deposit is taken on a credit card to cover the cost of your appraisal ($500 in Alaska and Hawaii).  You receive an instant Lock Confirmation by email confirming the loan program, loan amount, rate, points or rebate and guaranteed lender fee. 
• The Online Loan Approval includes a list of required supporting documentation (copies of pay stubs, etc) which you compile and transmit to us 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 escrow officer or attorney (if purchase) or a signing service near you (if refinance).
• You sign your loan documents at your escrow 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

What Our Customers Say!