From inquiry
to closing in
20–30 days.

Answer a few questions about your income type, credit range, and loan goal. We'll match you to the right program instantly — or submit an application directly if you already know what you need.

No credit pull at this stage. No obligation.

We review your scenario and confirm your program fit, walk through the documentation requirements, and answer any questions about the process or your eligibility.

Most borrowers have a clear path identified within one business day.

Based on your program, you'll provide one of the following — not all of them. The documentation required depends entirely on which program you qualify under.

We package your complete file and submit to underwriting. Non-QM underwriting typically returns an initial decision within 5–7 business days. We manage the process and communicate any conditions that need to be addressed.

We keep you updated at every stage — no silence, no surprises.

The property is appraised and any underwriting conditions are cleared. We coordinate directly with the appraiser, title company, and your real estate agent or attorney so you don't have to manage multiple vendors.

Most condition packages are resolved within a few business days.

Sign your closing documents at the title company. Funds are disbursed. You own the property. Most TaxFlex™ loans close within 20–30 days of application — comparable to conventional loan timelines.

Refinances and investment purchases often move faster.