A Straightforward Process Built for Real-Life Situations
Here is exactly what happens from your first inquiry to funding.
From Inquiry to Funding
1See If You Qualify(about 2 minutes)
Start by telling us about yourself, including your property and financials.
2Talk to a Loan Officer(typically within 1 business day)
A named loan officer reviews your information and contacts you, typically within 1 business day. They will discuss your rate, answer your questions, and walk you through the documentation we may need.
3Gather Supporting Documentation(can vary)
Your loan processor walks you through the documentation needed to underwrite your file, so nothing slows the process down.
4Underwriting and Closing(as few as 8 days*)
Once your complete application reaches our underwriting team, funding can happen in as few as 8 days.* Your loan officer keeps you informed throughout the process, and we explain all costs before you commit.
When Will I Get My Funds?
From complete application to funding: as few as 8 days.*
Your exact timeline depends on the complexity of your situation, the documentation provided, and state-specific requirements. Your loan officer will give you a realistic estimate for your specific file once they review your information.
We will tell you what to expect at every step.
*Based on data collected from funded loans between October 1, 2025 and December 31, 2025. Time is measured from submission of complete application with supporting materials to underwriting through date of funding.
What You Might Need
Documentation requirements depend on your specific situation. Here are common items your loan officer may request:
Income Verification (one or more)
- W-2s and pay stubs
- Pension / Social Security Awards Letters
- Tax returns
- Recent bank statements
Property Information
- Property address and type (primary residence, second home, or investment property)
- Estimated property value
- Current mortgage balance (if applicable)
Personal Information
- Government-issued ID
- Social Security number
Every Situation Is Different. Let's Look at Yours.
Let us connect you with a loan officer who can answer your questions directly.
No impact to your credit score