Our 21-Day Loan Process

    Fast, transparent, and built around you.

    1

    Pre-Approval Application

    Complete our secure 12-minute online application. We'll review your financial profile and typically provide a pre-approval decision within 24 hours.

    Complete our secure 12-minute online application. We'll review your financial profile and typically provide a pre-approval decision within 24 hours.

    2

    Home Search & Offer

    With your pre-approval letter in hand, you can confidently shop for homes and make strong offers. Sellers know you have the backing of a reliable lender.

    With your pre-approval letter in hand, you can confidently shop for homes and make strong offers. Sellers know you have the backing of a reliable lender.

    3

    Loan Processing

    Once your offer is accepted, our processing team works quickly to verify your documents, order the appraisal, and prepare your file for underwriting.

    Once your offer is accepted, our processing team works quickly to verify your documents, order the appraisal, and prepare your file for underwriting.

    4

    Underwriting & Approval

    Our underwriters review the complete file to ensure it meets all guidelines. We pride ourselves on clear communication so you're never left in the dark.

    Our underwriters review the complete file to ensure it meets all guidelines. We pride ourselves on clear communication so you're never left in the dark.

    5

    Clear to Close

    Once approved, we issue the final Closing Disclosure. You'll sign your final documents, and we'll fund the loan. Welcome to your new home!

    Once approved, we issue the final Closing Disclosure. You'll sign your final documents, and we'll fund the loan. Welcome to your new home!

    1

    1. Pre-Approval Application

    Complete our secure 12-minute online application. We'll review your financial profile and typically provide a pre-approval decision within 24 hours.

    2

    2. Home Search & Offer

    With your pre-approval letter in hand, you can confidently shop for homes and make strong offers. Sellers know you have the backing of a reliable lender.

    3

    3. Loan Processing

    Once your offer is accepted, our processing team works quickly to verify your documents, order the appraisal, and prepare your file for underwriting.

    4

    4. Underwriting & Approval

    Our underwriters review the complete file to ensure it meets all guidelines. We pride ourselves on clear communication so you're never left in the dark.

    5

    5. Clear to Close

    Once approved, we issue the final Closing Disclosure. You'll sign your final documents, and we'll fund the loan. Welcome to your new home!