Current Turn Times - Updated 11/26/25
For ANY Loan with three or more businesses, three or more REO’s or requiring a material exception, or similar, Turn Times may be extended up to 5 days.
DISCLOSURES & SUBMISSIONS
| TYPE | PURCHASE / JUMBO | REFINANCE | CTC |
|---|---|---|---|
| Submission / LE | 1-2 Business Days* | 1-2 Business Days* | N/A |
| Closing Disclosure | 1-2 Business Days* | 1-2 Business Days* | 1-2 Business Days* |
*All complete PTD condition request after 3:00pm PDT will be logged for the following day.
From time the full package is received.
UNDERWRITING
PURCHASE
| LOAN TYPE | INITIAL DECISION | CONDITION REVIEW |
|---|---|---|
| Agency (MAX Loans) | 1-2 Business Days | 2-3 Business Days* |
| Agency (Non-MAX Loans) | 1-2 Business Days | 2-3 Business Days |
| FHA | 2-3 Business Days | 2-3 Business Days |
| VA | 2-3 Business Days | 2-3 Business Days |
REFINANCE
| LOAN TYPE | INITIAL DECISION | CONDITION REVIEW |
|---|---|---|
| Agency (MAX Loans) | 1-2 Business Days | 2-3 Business Days* |
| Agency (Non-MAX Loans) | 1-2 Business Days | 2-3 Business Days |
| FHA | 1-2 Business Days | 1-2 Business Days |
| VA | 1-2 Business Days | 1-2 Business Days |
NON QM / JUMBO / SECONDS PROGRAMS
| LOAN TYPE | INITIAL DECISION | CONDITION REVIEW |
|---|---|---|
| NON QM / JUMBO / SECONDS | Purchase 3-4 Business Days |
Purchase 3-4 Business Days |
| Refinance 3-4 Business Days |
Refinance 3-4 Business Days |
|
CLOSING
| DEPARTMENT | PURCHASE | JUMBO | REFINANCE |
|---|---|---|---|
| Docs | 1-2 Business Days* | 1-2 Business Days* | 1-2 Business Days* |
| Funding – Agency/FHA/VA | 1-2 Business Days | 1-2 Business Days | 1-2 Business Days |
