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| Process Stage | Target Time |
|---|---|
|
Register and Lock Loan |
Less than 1 hour |
|
Initial Disclosures
|
Same day if before 3 PM, next morning if after 3 PM
|
|
Set-Up |
1 business day |
|
Processing to Underwriting
|
2 business days |
|
Underwriting to Clear-to-Close
|
15 business days |
|
VOES, Title, Flood |
1 business day from submission to set-up |
|
Appraisal Order |
1 Business Day from LO Authorization |
| Process Stage | Target Time |
|---|---|
|
Initial Submission |
Conventional 48 Hours |
|
Initial Submission |
FHA Loan max 96 Hours |
|
Initial Submission |
CAFA Loan max 96 Hours |
|
Conditions review |
Conventional 24 Hours |
|
Conditions review |
FHA 48 Hours |
|
Conditional review |
CAFA 48 Hours |
|
Final Review with less than 5 conditions |
24 Hours |
|
Final Review with more than 5 conditions |
Up to 48 hours |