06.
How a loan happens
Three steps. Terms come first, so you know where you stand before you do any paperwork.
1. Terms first
Send us the deal: the property, the price, your plan. We review it and send you real terms — rate, leverage, fees.
2. Application
If the terms work for you, we open the loan and send a short application and a list of documents for your loan type.
3. Underwriting and closing
We work through the underwriting conditions with you, order what's needed, and get you to the closing table.
Typical time to close
| Fix & flip | As few as 3 days; about 10 days on average |
|---|---|
| Rentals (DSCR) | As few as 10 days; about 28 days on average |
| New construction | In as little as a week |