C.I.F.I

Most purchases close in 30–45 days. Refinances typically take 30 days or less. e-Closings can speed this up significantly. We’ll give you a personalized timeline at application.

It depends on the program:

• Conventional: 620+
• FHA: 580+ (3.5% down) or 500–579 (10% down)
• VA: No minimum set by VA, but most lenders prefer 620+
• Bank Statement programs: Credit not the primary factor

We work with all credit situations and can help improve yours if needed.

Yes! We offer full Remote Online Notarization (RON) in approved states, as well as hybrid e-Closing options. Close from anywhere with internet — no need to take time off work.

Absolutely. We specialize in Bank Statement loans — qualify using 12–24 months of bank deposits instead of tax returns. Perfect for freelancers, contractors, and business owners.

Common items include:

• Last 2 years W-2s or tax returns
• Recent pay stubs
• Bank statements
• Photo ID
• Purchase contract (if buying)

We’ll provide a complete checklist after your application.

Yes — we consistently beat big bank rates. As direct lenders, we control the process and pricing. Check our daily rates page or call for a personalized quote.