Our Process
Online App
Pressing the “Apply Now” button will take you to the initial application. With the information you’ll provide, we’ll decide whether to proceed with a full and formal application.
5-10 mins | $0
Feedback
We'll respond to your application within one business day. If we need more info or wish to proceed, we'll schedule a call. If not, you'll receive a brief decline email.
24 hours | $0
Finalize application
If approved, you'll proceed with a formal application, which includes submitting project plans including a budget and timeline. Once all info is provided, you can expect a decision within a week, following a process similar to a standard mortgage application.
1-2 weeks | $250
Closing
We'll arrange essential closing services (e.g., appraisal, home inspection) and a closing. Before the closing, you'll cover third-party service costs as they accrue. For construction and multi-step repair loans, we'll set a mutually agreed draw schedule. Final closings will occur in person.
2-4 weeks | Expense based on loan details