Eight steps. One broker. Forty-seven wholesale lenders shopping for your file. Here's what each day looks like — what we do, what you do, and how long to expect.
You answer eight questions on the phone or in our portal — no documents, no credit hit. We give you a ballpark price range and pencil in a strategy call.
"What's your annual income, monthly debt, target purchase price, and timeline? Do you currently own? Veteran? Self-employed? Any prior bankruptcy or foreclosure? Tell us and we'll tell you which programs you qualify for."
Sit down with your assigned broker — in our Ottumwa office or by video. We map out exactly which loan product, which down payment scenario, and which lenders to shop. You leave with a written strategy memo.
You upload to our secure portal — paystubs, two months of bank statements, tax returns, ID. We notify you only if something's missing. No paper, no fax, no email back-and-forth.
We pull rate sheets from all 47 wholesale lenders and submit your file to the top three matches. Same-day quotes back. We bring you the three lowest-cost options — not the one with the best lender lunch.
Underwriter-vetted, ready to put in any offer. Sellers and listing agents take ours seriously because it includes a real underwriter sign-off, not just a "credit-only" pre-qual.
"Borrower is approved for a 30-year fixed conventional loan up to $400,000 at the prevailing market rate, subject to satisfactory appraisal, clear title, and no material change to credit/income. Approval valid 90 days."
Once you're under contract, we order the appraisal, lock the rate, shop title insurance to find you the cheapest title quote, and start clearing conditions.
All conditions cleared. Final closing disclosure issued. Three-day federal cooling-off period begins. We review every line item with you on a 20-minute call.
Closing table at the title company office. We're there with you. Sign in 45 minutes, hand over the wire confirmation, get the keys. Welcome home.
Bring your driver's license and your favorite pen. Most clients are in and out in under an hour. We celebrate every closing in our office with a small bottle of prairie honey from the Andersson family — has been our tradition since 2009.
National average is 47 days. Our broker model + tight underwriting halves that.
Files we submit to underwriting come back approved 96% of the time, not 70%.
Industry average is 8–12. Tight upfront packaging means fewer back-and-forth conditions.
You only pay for the appraisal once you're under contract — no money out-of-pocket to apply.
Five-minute pre-qualify, soft credit pull, zero out-of-pocket cost. Your broker calls back within four business hours.
Begin pre-qualify →