Pre-approved in 4 days. Closing on your timeline.
Every file is different, but the process holds a consistent shape. Full pre-approval is a 4-day clock — closing only starts once you're under contract on a home, and typically follows within 15–30 days of that accepted offer.
Application & document review
Submit income, employment, and asset documents through a secure portal. Your broker reviews the file and flags anything a lender will ask about before it becomes a delay.
Day 1
Rate shopping across lenders
Your file is shopped across our 37 lending partners — banks, credit unions, and monoline lenders — to find the best rate and terms for your specific profile, not a one-size-fits-all product.
Day 1–2
Underwriting & full pre-approval
The chosen lender underwrites your file — verifying income, credit, and down payment. You receive a full, underwritten pre-approval, not a soft estimate, so your offers carry real weight.
Day 2–4
Conditions, funding & closing
Pre-approval is what lets you shop with confidence — this step only starts once you're under contract on a home. From there, we clear remaining conditions (appraisal, final approval), coordinate with your lawyer, and confirm funding, typically within 15–30 days of your accepted offer.
After an accepted offer
Ready to see where you'd land in this process?
Start with the calculators, or book a call directly with a broker.