One request. Lenders compete. You pick the winner.

Buying, refinancing, cash-out, an investment property, or a bridge loan. The property type and state, the rough numbers, your credit range and timeline. No documents, no Social Security number, no hard credit pull. If you are not sure what you need, say so — that is a valid answer.

Your request is routed to licensed lenders and brokers in our network who lend in the property’s state and on your loan type — a bridge request goes to lenders who actually do bridge loans, a DSCR request to lenders who write DSCR. Never more than four, on purpose: a comparison, not a flood.

By phone, text, or email, usually within one business day and often within hours. They will confirm your details, walk through the programs that fit, and — with your permission — pull credit to give you real numbers. You can stop the process at any point.

Ask every lender for a quote on the same day, same program, same lock period, at zero points. Federal rules require a standardized Loan Estimate within three business days of an application, so the numbers line up: rate, APR, lender fees, cash to close.

Pick the lender whose numbers and responsiveness win. Pre-approval, application, underwriting, and closing happen with them, on their systems and disclosures. A purchase typically closes 30–45 days after an accepted offer; refinances commonly run three to six weeks.