Get Your Personalized Mortgage Rate

You can get pre-approved in as little as 24 hours. Once we receive your application, Travis reviews it personally and prepares a pre-approval letter with your rates. If we have all the information we need, you might get approval even faster. Conventional and FHA loans typically take 1-2 days; complex loans like DSCR or bank statement loans may take 2-3 business days.

A mortgage application will create a hard inquiry on your credit, which typically lowers your score by 5-10 points. However, when you apply with us, there's no credit check required just to get started and receive a rate quote. Your credit is only pulled when you're ready to move forward with an actual application. Multiple mortgage inquiries within 14-45 days typically count as one inquiry for scoring purposes, so shopping around doesn't hurt as much as you might think.

For a basic rate quote, you just need: your name, email, phone, estimated home value or purchase price, down payment percentage, and credit score range. For a full application, you'll typically need: recent pay stubs, W2s or tax returns, bank statements, employment verification, and ID. Self-employed borrowers will need 2 years of tax returns and profit/loss statements. DSCR investors need property information and business tax returns. We'll let you know exactly what we need based on your loan type.

Yes! You can start your application online right here. Fill out our quick form and Travis will respond within 1 business day with rates and options. For full applications, you can also work with us over email or phone. We use secure document upload so you can send tax returns, paystubs, and bank statements electronically. We meet you where you're comfortable.

We typically close mortgages in 15-21 days, with many closing even faster. We've closed loans in as few as 7 days for well-prepared, straightforward applications. DSCR and bank statement loans may take a bit longer due to additional documentation review, typically 14-30 days. Once we have all your information and appraisal comes back, we push for the fastest possible close date.