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| Process/Dept. | Business Days |
|---|---|
| Loan Estimate and Initial Disclosures | 1 Business Day |
| File Review | 1 Business Day |
| Initial Lock Confirmation | 2-3 hours |
| Underwriting Refinances | 1 Business Day |
| Underwriting Purchases | 1 Business Day |
| Change of Circumstance / Lock Confirmation | 1 Business Day |
| Initial Closing Disclosures | 1 Business Day (must clear all early CD conditions) |
| Closing Disclosures | 1 Business Day |
| Funding | 1 Business Day |
We offer fixed loan terms of 10, 15, 20, 25, and 30 years and ARM terms of 5, 7, and 10 years in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Louisiana, Maryland, Michigan, Minnesota, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin..
At TLS, we understand the pain points in the mortgage process. We have created an end-to-end broker portal that leverages technology automation, minimizing headaches and giving your loan processors the advantage.
| Process/Dept. | Business Days |
|---|---|
| Loan Estimate and Initial Disclosures | 1 Business Day |
| File Review | 1 Business Day |
| Initial Lock Confirmation | 2-3 hours |
| Underwriting Refinances | 1 Business Day |
| Underwriting Purchases | 1 Business Day |
| Change of Circumstance / Lock Confirmation | 1 Business Day |
| Initial Closing Disclosures | 1 Business Day (must clear all early CD conditions) |
| Closing Disclosures | 1 Business Day |
| Funding | 1 Business Day |
