Turn Times
ALL TURN TIMES ARE SUBJECT TO A 3PM PST DAILY CUTOFF, REQUESTS RECEIVED AFTER THAT TIME WILL BE CONSIDERED A FOLLOWING BUSINESS DAY REQUEST.
Prime Turn Times
| Stage | Turn Times |
|---|---|
| Quick Disclosure | Instant |
| Lender Disclosed | 1 Business Day |
| Loan Set Up | 1 Business Day |
| Initial UW Decision | 1 Business Days |
| Conditions Review | 1 Business Days |
| CD Request | 1 Business Day |
| Final Approval Review | 1 Business Day |
| Docs Out | 1 Business Day |
Non-QM Turn Times
| Stage | Turn Times |
|---|---|
| Quick Disclosure | Instant |
| Lender Disclosed | 1 Business Day |
| Loan Set Up | 1 Business Day |
| Initial UW Decision | 2 Business Days |
| Initial UW Decision (5-8 Unit DSCR) | 3 Business Days |
| Initial UW Decision (Jumbo (>1.5M) | 3 Business Days |
| Conditions Review | 1 Business Days |
| CD Request | 1 Business Day |
| Final Approval Review | 1 Business Day |
| QC Review | 1 Business Day |
| Docs Out | 1 Business Day |
| Bank Statement Calc | 1 Business Day |
Federal Holidays Not Counted in the TRID Waiting Period
| Holiday | Date |
|---|---|
| Martin Luther King, Jr Day | 01/20/2025 - Monday |
| Labor Day | 09/01/2025 - Monday |
| Memorial Day | 05/26/2025 - Monday |
| Independence Day | 07/04/2025 - Friday |
| Juneteenth | 06/19/2025 - Thursday |
| President's Day | 02/17/2025 - Monday |
| New Year's Day | 01/01/2025 - Monday |
| Columbus Day | 10/13/2025 - Monday |
| Veterans Day | 11/11/2025 - Tuesday |
| Thanksgiving | 11/27/2025 - Thursday |
| Christmas | 12/25/2025 - Thursday |