How It Works
A licensed loan officer and a digital platform, working together to move your loan from application to closing — without the paperwork drag and without radio silence.
Answer a few questions about the loan you’re after — purchase or refinance, ballpark loan amount, property state, timeline. This takes about five minutes and doesn’t affect your credit.
A licensed loan officer reviews what you submitted and reaches out to talk through your goals. They’ll explain the programs that fit your situation and tell you what documentation we’ll need for a full pre-approval.
You complete the formal application and upload documents (pay stubs, tax returns, bank statements) through our secure portal. We pull credit, review your file, and issue a pre-approval letter if you qualify.
You shop with your pre-approval in hand. Once you’re under contract on a home (or ready to move forward on a refinance), we lock your rate and select the lender and program from our panel that fits.
The lender orders the appraisal and underwrites the file. We work with you to clear conditions promptly — underwriting almost always asks follow-up questions, and how fast you clear them controls how fast you close. Once conditions are cleared, we receive a clear-to-close.
You review the Closing Disclosure at least three business days before signing (federal TRID rule). At closing, you sign the loan documents; funds are wired; on a purchase, keys go to you.
Purchase transactions typically close in 14–25 days from contract, depending on program and lender. Faster is possible; slower happens if appraisal or underwriting hits snags.
Refinances typically run 10–25 days. There’s no property transfer, so the schedule is set by underwriting turn times and how quickly you get us docs.
Complex files (self-employed, non-QM, jumbo, new construction) can take longer. We’ll tell you upfront if your file is in the “plan for extra time” bucket.
Talk to a licensed Loan Advisor. First conversation, no pressure, no credit pull.
Talk to a Loan Advisor