The Perfect 10 Closing Program
Close in 10 business days. Guaranteed.*
Ready to close your home loan fast? Here’s exactly what’s needed, and what’s expected from you, to make a 10-business-day close happen. Do your part, and we’ll do ours.
How to make it happen
What we need from you
The clock starts once these are in hand. Have them ready and you’re already ahead.
1
Signed application, disclosures & contract
2
W-2’s for your most recent two years
3
Property located in a qualifying area
4
Authorization to verify your assets
5
Authorization to order your appraisal
6
Payment of the appraisal fee
Program eligibility
Who and what qualifies
Property
Borrower
loans
Not eligible: Reverse, FHA 203K, Jumbo, VA, Bond, MCC, Down Payment Assistance, investor-approval or brokered loans.
The Path to Closing
The 10-business-day timeline.
Holidays and weekends don’t count — only business days. Here’s how the ten move.
Day 1
Kickoff
Signed application & disclosures in, appraisal paid, authorization to order it confirmed.
Day 4
Appraisal
Acceptable appraisal received no later than Day 4. A $175 rush fee may apply.
Days 5-6
Verify
Automated asset & income verification; conditions cleared as they’re requested.
Days 7–8
Approval
Final underwriting approval; closing documents prepared and disclosures issued.
Day 10
Close
Sign electronically and close. Keys in hand — a perfect 10.
Business days only | Appraisal due by Day 4 | Weekends & holidays excluded
When the clock starts
The 10 business days begin once all preliminary documentation is received, the loan application and required disclosures are signed and returned, the appraisal is paid, and we’ve confirmed authorization to order it. Holidays and weekends do not count as a business day.
The 10-day guarantee
If we otherwise fail to perform, a $250 credit is applied toward your closing costs. The guarantee doesn’t apply to events beyond our control — appraised value not met, escrow/title delays, second-lien or short-sale approval, or conditions that can’t be met. Maximum liability is a $250 closing-cost credit.
Program eligibility
Guaranteed-eligible metro areas
72-hour appraisal delivery is guaranteed in these markets. Outside them, it may still be possible, ask your loan officer.
Arizona
Phoenix metro area
Colorado
Denver metro area
Louisiana
Baton Rouge metro area
Oklahoma
Oklahoma City proper — no adjacent counties
Pennsylvania
All major metro areas — no adjacent counties
Massachusetts
All major metro areas — no adjacent counties
Rhode Island
All major metro areas — no adjacent counties
South Carolina
Chapin, Lexington, Irmo, West Columbia, Greenville, Simpsonville, Easley, Greer & Travelers Rest — no adjacent counties
Texas
Austin, Dallas, Houston & San Antonio metro areas
Utah
Salt Lake City metro area
Outside an eligible area?
If your appraisal can still be delivered within 72 hours, your transaction may still qualify for the 10-Day Program. Check with your loan officer to confirm eligibility. A $175 rush fee may apply, and appraisal must be received no later than Day 4.
Do your part, and we’ll close in 10.
Start your application now — it takes about 10 minutes, right from your phone.