How Our Loan Process Works
A Straightforward Process from First Call to Closing
Our process is designed to respect your time. From the first conversation, we focus on whether the property, your strategy, and our lending criteria are a good fit.
1. Initial Conversation
You share the basics: property address, purchase price, rehab or construction budget, projected value, and your exit plan (sale or refinance). We quickly determine whether the deal fits our lending box.
2. Preliminary Terms
If the deal aligns, we outline indicative terms—loan amount, rates, fees, and timeline—so you can decide whether to move forward.
3. Documentation & Underwriting
We collect essential documents such as purchase contract, scope of work, entity details, and basic financials. Our focus is clarity—not excessive paperwork.
4. Appraisal / Property Evaluation
We arrange an appraisal or internal valuation to confirm the property’s current and projected value.
5. Loan Closing
Once underwriting conditions are met, we coordinate with title/settlement to complete closing. Many loans close in days, depending on responsiveness.
6. Servicing & Draws
For renovation or construction loans, we establish a draw schedule and release funds as work is inspected and verified.
7. Payoff
When you refinance or sell, we coordinate with your new lender or settlement company to ensure a smooth payoff.
Ready to Talk Through a Deal?
Share a few details and our team will help you determine if your project fits our lending box.