USDA, FHA & VA National Mortgage Lender
USDA, FHA & VA National Mortgage Lender
Underwriting Turn Times
Underwriting Turn Times
If you have any questions on the status of your loan(s), please contact Mortgage Support at mtgsupportcenter@flanaganstatebank.com
Our current turntimes are 24-48 hours
USDA Commitment Turn Times - currently working on files from 3/17/2023
Important things to remember:
Files submitted after 11 am count for the next day
Weekends do not count in the work days
If your file has MI or USDA Submissions needed, the turn time may be longer
USDA Commitment Turn Times are dictated by USDA only. FSB does not have any control over these turn times.
2023 Holidays
2023 Holidays
The following holidays will affect FSB's turn times and will not count for Recission & TRID dates as we will be closed:
January 2nd-New Year's Day
January 16th-MLK Day
February 20th-President's Day
May 29th-Memorial Day
June 19th-Juneteenth (observed)
July 4th-Independence Day
September 4th-Labor Day
October 9th-Columbus Day
November 23rd-Thanksgiving
November 24th-Day after Thanksgiving*
December 25th-Christmas Day
*will count for Recission or TRID dates
Closing Turn Times
Closing Turn Times
Closings can occur on the 1st business day after the day it is scheduled. Please UPLOAD the signed Initial CD and your Closing Request Form to the file after the Clear to Close is received. FINAL your file to allow us to confirm the closing date back to you!
March Closing Calendar
Monday
Monday
Feb 27
Schedule with FSB before 11 am, closing can occur on Tuesday Feb 28
Tuesday
Tuesday
Feb 28
Schedule with FSB before 11 am, closing can occur on Wednesday Mar 1
Wednesday
Wednesday
Mar 1
Schedule with FSB before 11 am, closing can occur on Thursday Mar 2
Thursday
Thursday
Mar 2
Schedule with FSB before 11 am, closing can occur on Friday Mar 3
Friday
Friday
Mar 3
Schedule with FSB before 11 am, closing can occur on Monday Mar 6
Saturday & Sunday
Saturday & Sunday
Mar 4 & 5
Closed
Mar 6
Schedule with FSB before 11 am, closing can occur on Tuesday Mar 7
Mar 7
Schedule with FSB before 11 am, closing can occur on Wednesday Mar 8
Mar 8
Schedule with FSB before 11 am, closing can occur on Thursday Mar 9
Mar 9
Schedule with FSB before 11 am, closing can occur on Friday Mar 10
Mar 10
Schedule with FSB before 11 am, closing can occur on Monday Mar 13
Mar 11 & 12
Closed
Mar 13
Schedule with FSB before 11 am, closing can occur on Tuesday Mar 14
Mar 14
Schedule with FSB before 11 am, closing can occur on Wednesday Mar 15
Mar 15
Schedule with FSB before 11 am, closing can occur on Thursday Mar 16
Mar 16
Schedule with FSB before 11 am, closing can occur on Friday Mar 17
Mar 17
Schedule with FSB before 11 am, closing can occur on Monday Mar 20
Mar 18 & 19
Closed
Mar 20
Schedule with FSB before 11 am, closing can occur on Tuesday Mar 21
Mar 21
Schedule with FSB before 11 am, closing can occur on Wednesday Mar 22
Mar 22
Schedule with FSB before 11 am, closing can occur on Thursday Mar 23
Mar 23
Schedule with FSB before 11 am, closing can occur on Friday Mar 24
Mar 24
Schedule with FSB before 11 am, closing can occur on Monday Mar 27
Mar 25 & 26
Closed
Mar 27
Schedule with FSB before 11 am, closing can occur on Tuesday Mar 28
Mar 28
Schedule with FSB before 11 am, closing can occur on Wednesday Mar 29
Mar 29
Schedule with FSB before 11 am, closing can occur on Thursday Mar 30
Mar 30
Schedule with FSB before 11 am, closing can occur on Friday Mar 31
Mar 31
Schedule with FSB before 11 am, closing can occur on Monday Apr 3
Apr 1 & 2
Closed
Apr 3
Schedule with FSB before 11 am, closing can occur on Tuesday Apr 4
Apr 4
Schedule with FSB before 11 am, closing can occur on Wednesday Apr 5
Apr 5
Schedule with FSB before 11 am, closing can occur on Thursday Apr 6
Apr 6
Schedule with FSB before 11 am, closing can occur on Friday Apr 7
Apr 7
Schedule with FSB before 11 am, closing can occur on Monday Apr 10
Apr 8 & 9
Closed
Tax Transcript Turn Times
Tax Transcript Turn Times
Tax transcripts are now required on all USDA files & loans with income other than W2 income. Due to IRS changes in the handling of the 4506C, Mortgage Support will be happy to order the transcripts for you at any stage of your file. We recommend ordering them as soon as possible! The Broker or Correspondent customer may email mtgsupportcenter@flanaganstatebank.com once a file has been disclosed to request the transcripts to be ordered by our team through a 3rd party. If a 4506C is not available, we can deliver one to your borrower via e-sign.
FHA Case Number Turn Times
FHA Case Number Turn Times
Email your request to govrequests@flanaganstatebank.com using the form available under the Mortgage Support & Resources tab. CAIVRS can also be ordered in the same manner!