Soft-check pre-qualification in about 48 hours, one document, plain English, and no prepayment penalty. What the four steps look like.
Pre-qualify
A soft credit check with no impact to your score. Typically about 48 hours to a pre-qualification, which is early enough to shape which model and scope make sense before you spend real design time.
Submit and approve
Documents go through a secure portal, and a full underwriting decision typically follows within 48 hours. One document at the end, no hidden fees, plain English.
Fund
Sign, close and lock in your monthly payment. Payments are structured to fit comfortably into a modern household budget, and the specific terms depend on your scope, credit and local incentives, which our team walks through with you.
No penalty for paying ahead
You can pay ahead, refinance or restructure without fees. If rental income arrives faster than you modeled, nothing in the structure punishes you for using it.