Turn Times
ALL TURN TIMES ARE SUBJECT TO A 5PM 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 Disclose | 1 Business Day |
| Loan Set Up | 1 Business Day |
| Initial UW Decision | 1 Business Day |
| Conditions Review | 1 Business Day |
| Final Approval Review | 1 Business Day |
| Docs Out | 1 Business Day |
| CD Request | 1 Business Day |
Non-QM Turn Times
| Stage | Turn Times |
|---|---|
| Quick Disclose | Instant |
| Lender Disclose | 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 | 2 Business Days |
| Final Approval Review | 1 Business Day |
| CD Request | 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 |
|---|---|
| Labor Day | Monday 09/07/2026 |
| Columbus Day | Monday 10/12/2026 |
| Veterans Day | Wednesday 11/11/2026 |
| Thanksgiving | Thursday 11/26/2026 |
| Christmas | Friday 12/25/2026 |
| Memorial Day | Monday 05/25/2026 |
| Independence Day (observed) | Friday 07/03/2026 |
| Juneteenth | Friday 06/19/2026 |
| President's Day | Monday 02/16/2026 |
| New Year's Day | Thursday 01/01/2026 |
| Martin Luther King, Jr Day | Monday 01/19/2026 |