Our 21-Day Loan Process

    Fast, transparent, and built around you.

    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!