Lender Comparison

14 Days To Close
vs Movement Mortgage

Movement Mortgage has built a strong brand. If you're under contract in Florida and your timeline is slipping, brand identity won't save your deal. Speed and broker access will.

5 Days
Fastest documented close
Top 1%
Originator nationally, every year since 2016
24/7
Client support: real people, not a call center

What you're actually comparing here

Movement Mortgage has earned a real reputation. They lead with their values, invest in their culture, and have a network of loan officers across the country who genuinely care about their borrowers. If you're comparing them against 14 Days To Close, you're probably weighing two things: relationship quality and closing speed. We think both matter, and we built our entire process around delivering both.

The main structural difference is this. Movement Mortgage is a retail lender, which means they originate using their own products, their own underwriting, and their own pipeline. We're a mortgage broker powered by PRMG, which means your file has access to FHA, VA, USDA, Conventional, Jumbo, and DSCR. If one loan type stalls or doesn't fit, we can pivot to another without starting your application from scratch. That flexibility changes what's possible on tight timelines.

If you're still shopping and want to compare your options before you go under contract, that's exactly the right call. If you're already in a deal with Movement Mortgage and your closing date is starting to feel uncertain, that's a different conversation. See how fast we move or call now to talk through your situation.

Why borrowers come to us after Movement Mortgage

Most borrowers don't go into a transaction expecting to switch lenders. They apply, they get pre-approved, they go under contract, and they assume everything runs to the finish line. Sometimes it does. Other times, an appraisal comes in below purchase price, underwriting asks for another month of bank statements, or the projected closing date slips a week — then two — and their agent starts making nervous phone calls.

When that happens with a retail lender, your options narrow quickly. You can wait for the process to resolve, or you can find a broker who can assess your file and place it with a better-fit lender fast. That's the structural advantage we offer. We don't treat a mid-deal switch as a restart. We treat it as a file that needs a solution today.

This isn't a knock on Movement Mortgage or their loan officers. Timeline slippage is an industry-wide pattern, and it has more to do with product fit and pipeline volume than it does with effort. What matters is knowing what your options are when it happens. If your file is moving slower than it should, see how fast we move.

14 Days To Close vs. Retail Mortgage Lenders

Feature 14 Days To Close Typical Retail Lender
Loan program options FHA, VA, USDA, Conventional, Jumbo, DSCR Limited to their own product set
Direct broker access Every file personally reviewed by Jordan Assigned loan officer, may rotate
Closing speed As fast as 4–6 days in many cases Typically 30–45 days
Can pivot lenders mid-file Yes, multiple options available No, you'd need to start over
Complex file handling Self-employed, DSCR, non-QM Underwriting built for standard W-2 files
Florida market knowledge Tampa HQ, licensed to lend nationwide National network, local experience varies

The broker advantage and why we're not a bank

14 Days To Close is powered by PRMG. That means when you apply with us, your file isn't limited to one lender's guidelines. We can place it with the wholesale lender that fits your situation best — whether that's FHA for a first-time buyer with a lower down payment, VA for a veteran who qualifies for zero down, DSCR for an investor, or Jumbo for a higher-priced purchase. We handle six loan types in-house, and we can move between them quickly when the situation calls for it.

A retail lender, no matter how strong their culture and loan officer network, is underwriting from a single product menu. That works well when your file is clean and straightforward. It creates friction when it isn't. Edge cases — self-employed income, a non-warrantable condo, a credit score that's slightly outside their threshold — can get stuck in a retail pipeline for weeks while the underwriter tries to work around a product that wasn't designed for that file.

We don't have that constraint. If the first option hits a wall, we assess the file and move to the next one. That decision usually takes hours, not weeks. To see which loan type fits your situation and timeline, learn more about how we work or schedule a free callback.

Watch

The 60-second way to vet any mortgage lender

Before you commit to any lender, here's the question to ask them first.

Jordan Vreeland, Licensed Mortgage Broker, NMLS #795404

How fast can we actually close?

We've closed deals in as little as 4–6 days from first inquiry to clear to close. That's a documented result from real transactions, not a marketing number. The exact timeline on your file depends on appraisal, title, and how quickly all parties submit documentation. But our process is built around speed, and we push every file as hard as the situation allows. See how fast we move.

Most traditional retail lenders are working on 30–45 day pipelines. That's fine when you have the time. It's a problem when your contract has a closing date and the clock is already running. We're built for the kind of deals where standard timelines aren't an option and where every day of delay has a real cost.

Call now or schedule a callback to talk through your specific timeline and see what's possible.

Why borrowers under contract call us

Closing deadlines aren't suggestions. When your contract says you're closing on a specific date, that date matters to your seller, to your agent, and to any contingencies you're managing. If your current lender is lagging, you may not have the luxury of waiting another two weeks for underwriting to catch up.

We've received calls three days before a scheduled closing and still delivered. That's not a boast. It's a documented track record, and it's exactly why the page we built around closing speed exists. We can't guarantee every rescue situation works out — some files are too tangled to fix on a short timeline. But we'll tell you within the first conversation whether we can help, and we'll move immediately if we can.

If you're comparing lenders before you go under contract, take your time and get it right. If you're already in the deal and something feels off about the timeline, don't wait for it to get worse. Call now or schedule a callback today and let's look at the file.

Who we're built for

First-time buyers
You're buying your first home and you want a real person who explains things clearly and picks up the phone. You get Jordan, not a rotating call queue.
Buyers under contract with a deadline
You're already in the deal and the closing date is fixed. You need a lender who works on your timeline, not their pipeline schedule.
Borrowers whose lender fell through
Your original lender denied you or backed out days before closing. You need someone who can assess the file fast and move, not restart from the beginning.
Self-employed, investors, non-QM
Your income doesn't look like a W-2. You need a broker with access to DSCR, bank statement, and non-QM options, not a retail lender working from one product set.

Your Closing Date Won't Wait

Whether you're still comparing or already in a deal that's moving slower than expected, a 10-minute call tells you exactly where you stand.

Jordan Vreeland, Licensed Mortgage Broker