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 call or submit an Online Application which takes less than 3 minutes to complete.  A Loan Consultant will call you to go over your request. Our Automated Underwriting System will analise and approve your loan within 60 seconds. 
• Immediately following your Online Loan Approval, you lock your rate online.  A $500 deposit is taken on a credit card as an application fee to cover the cost of your appraisal.  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