FAQs

Q. Why should I choose you over my [big fancy bank]?

Rates are competitive everywhere, but convenience? We win hands down.

24/7 Availability: Need a preapproval at 4 am? Done. We're available around the clock to answer your burning questions. No more waiting for business hours or battling traffic. Get your mortgage on your schedule, not theirs.
Faster Closings: We prioritize quick closings to get you into your dream home faster, especially crucial in this competitive market.
DU Approvals: We leverage DU technology for faster preapprovals, giving your offer an edge in today's hot real estate market.

Q. How can I get started?

You can call us anytime at (813) 340-6223 or start your application online.

Q. What happens if I can’t find a home before my pre-approval letter expires?

Depending on your mortgage program and final underwritten conditions, you may have to re-submit the most recent 30 days of income and asset documents, as well as have a new credit report pulled.

Worst case scenario, the lender may even require a new appraisal that reflects comparables within a 90 day period.

It’s important to know critical approval / condition expiration dates if your real estate agent is showing you available short sales, foreclosures or other distressed property purchase types that have a potential of dragging a transaction out several months.

Q: Do I have to sell my current home before I can qualify for a new mortgage payment?

Yes, No and Maybe…

If you are in a financial position where you are qualified to afford both your current residence and the proposed payment on your new house, then the simple answer is No.

Qualifying based on your Debt-to-Income ratio is one thing, but remember to budget for the additional expenses of maintaining multiple properties. Everything from mortgages payments, increased property taxes and hazard insurance to unexpected repairs should be factored into your final decision.

Q: Does 14 Days To Close ALWAYS close in 14 days?

While we work to close every loan as quickly as possible, the closing timeframe can vary depending on a few factors. The good news is that our average closing time is just 14 days - significantly faster than the industry average of 30-60 days.

Here's what's in our secret sauce:

Streamlined System: We've optimized our loan application and approval process to gather and assess your information quickly, minimizing delays.
Transparency & Communication: We keep you informed throughout the entire mortgage process, ensuring you're aware of any potential roadblocks and next steps.
Efficiency Experts: We've identified and eliminated common bottlenecks that can slow down closings at other banks.

By prioritizing speed and communication, we aim to get you into your new home faster and with less hassle.