Twelve minutes online. Upload from your phone. Done.
The HomeMac secure application walks you through it step by step. Save and come back any time. Irving sees your file the moment you submit and reaches out the same business day.
- 256 bit encrypted, nothing is emailed back and forth
- Snap photos of documents or connect your bank securely
- Investors: no income docs on DSCR files
- Questions mid way? Text Irving at (424) 599-0402
Have these handy and it goes fast.
The whole timeline, so nothing surprises you.
Application & review
You submit. Irving reviews credit, structure and program fit and calls you with options and a loan estimate.
Disclosures & appraisal
You e sign disclosures. The appraisal is ordered immediately. Title and insurance get lined up.
Underwriting & conditions
The underwriter reviews the file. A few follow up items are normal. We clear them as they come, not in a pile at the end.
Investors
Pre approval in 24 hours. DSCR take outs and cash out refinances can close in as little as 10 days on clean files once your docs and signed forms are in. The appraisal is the long pole, so we order it first.
Homebuyers
Pre approval letter within 24 hours of your application. Purchases typically close in 21 to 30 days from an accepted offer, faster on clean files. Your rate is locked once you're in contract and disclosures are signed.
Send the basics and Irving calls you.
Two minutes. He'll tell you which program fits and whether it's worth applying before you spend the twelve.