A loan officer will follow up within one business day.
I've dealt with loan officers who take days to call back. This was totally different. He picked up on the first try, walked me through my options without it feeling like a sales pitch, and had my pre-approval the same day. Closed 18 days later. Really refreshing experience.
Elena S.I had so many questions throughout this whole process and I was nervous about being annoying. My loan officer responded every single time, usually pretty quickly. Never once made me feel like I was bothering him. When you're stressed about the biggest purchase of your life that kind of thing actually matters a lot.
James K.Our online application takes about 10 minutes and we aim to return rate quotes within one business day. Many approvals come back the same day.
Starting an application does not trigger a hard credit pull. We only run a hard inquiry when you're ready to proceed to full underwriting and give us explicit authorization.
We are currently licensed in Florida. If you're unsure whether we can help with your property, just call or email us and we'll be happy to clarify.
Often, yes. As a direct lender we fund loans with our own capital, which eliminates broker fees and lets us offer more competitive rates. Send us your Loan Estimate and we'll compare.
Typically two years of tax returns, recent pay stubs, two months of bank statements, and a government-issued ID. Self-employed borrowers have additional options. Ask us about bank statement programs.