February has 28 days. We funded $9 million anyway.
That number represents real families. First-time buyers who stopped renting, veterans using benefits they earned, homeowners who pulled equity to pay off high-interest debt. Every closed loan in that stack is a client who didn't wait three months to get to the table. They were done in days.
What February Looked Like
The volume came from across the board. FHA purchases, conventional loans, VA closings, and a handful of investment property deals. The Tampa market stayed active, and our clients came in with rates that competitors had told them weren't possible.
A few things stood out this month. Several clients came to us after being told by another lender that they didn't qualify. We found a path forward. Others came in with tight timelines: an accepted offer with a 14-day close clause written in. We delivered on it. That's what this company was built for.
Why Fast Closings Matter More Than Most Buyers Realize
A pre-approval letter from a fast lender changes your position in a negotiation. Sellers in competitive markets take offers more seriously when the buyer can prove they'll close in two weeks instead of 45 days. We've seen clients get their offers accepted over higher bids because the certainty of a fast close was worth more to the seller than a few thousand extra dollars.
The industry average closing time is 30 to 45 days. We've built our process to beat that consistently. When the file is clean and the buyer is ready, we get there. Our guide to fast mortgage approval walks through exactly what makes that possible on the buyer's end.
What March Looks Like
The pipeline heading into March is strong. Rates have leveled off enough to bring buyers back off the sidelines, and the spring buying season in Florida is earlier than most national markets because the weather doesn't keep people indoors. Our team is pre-qualifying buyers now who plan to close by April.
If you've been watching the market and waiting for the right moment, the window is open. Get pre-qualified, know your number, and move when the right house comes up instead of scrambling to get approved after the fact.
At 14 Days To Close, pre-qualification typically takes less than five minutes online. The closing takes the rest of the work off your plate.
Here's to March.
