Your Government Lending Specialist    

      USDA, FHA, VA & Conventional Lender

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Underwriting Turn Times

Our turn times are currently at 36 - 48 hours.  If your file is not received within this time frame from when you FINALED the file, please do not contact the underwriter, send an email to [email protected]


**The time starts when our Jr Underwriter confirms submission to the Underwriter if items are missing on your submission.**

To check when the Jr sent your file to underwriting, please go to the Status & Tracking screen and choose Loan History.

Closing Turn Times

Closings can occur the 3rd business day after the day it is scheduled.  Please email the signed Initial CD and your Closing Request Form to [email protected] after the CTC is received.  Please visit the Forms & Tools page for the most recent version.


Please read through our Initial CD Process  to understand how our process works!

August Closing Calendar

 Monday
 Tuesday
 Wednesday
 Thursday
 Friday
 Saturday
 Sunday

 July 30

Scheduled with FSB before 4PM, closing can occur on Thursday, Aug 2nd
  July 31
Scheduled with FSB before 4PM, closing can occur on Friday, Aug 3rd

  Aug 1

Scheduled with FSB before 4PM, closing can occur on Monday, Aug 6th

      Aug 2

Scheduled with FSB before 4PM,  closing can occur on Tuesday, Aug 7th

  Aug 3

Scheduled with FSB before 4PM,  closing can occur on Wednesday, Aug 8th
   Aug 4
   Aug 5 

 Aug 6

Scheduled with FSB before 4 PM, closing can occur on Thursday, Aug 9th
        Aug 7

Scheduled with FSB before 4PM, closing can occur on Friday, Aug 10th

Aug 8

Scheduled with FSB before 4PM, closing can occur on Monday, August 13th
          Aug 9

Scheduled with FSB before 4PM, closing can occur on Tuesday, Aug 14th
           Aug 10

Scheduled with FSB before 4PM, closing can occur on Wednesday, Aug 15th
        Aug 11 
 Aug 12
          Aug 13
 Scheduled with FSB before 4PM, closing can occur on Thursday, Aug 16th
          Aug 14
Scheduled with FSB before 4PM, closing can occur on Friday, Aug 17th

Aug 15

Scheduled with FSB before 4PM, closing can occur on Monday, Aug 20th
           Aug 16
Scheduled with FSB before 4PM, closing can occur on Tuesday, Aug 21st
          Aug 17
Scheduled with FSB before 4PM, closing can occur on Wednesday, Aug 22nd
         Aug 18 
   Aug 19 

      Aug 20

Scheduled with FSB before 4PM, closing can occur on Thursday, Aug 23rd
          Aug 21
Scheduled with FSB before 4PM, closing can occur on Friday, Aug 24th
           Aug 22
Scheduled with FSB before 4PM, closing can occur on Monday, Aug 27th
           Aug 23
Scheduled with FSB before 4PM, closing can occur on Tuesday, Aug 28th
           Aug 24
Scheduled with FSB before 4PM, closing can occur on Wednesday, Aug 29th
         Aug 25 
  Aug 26 

   Aug 27

Scheduled with FSB before 4 PM, closing can occur on Thursday, Aug 30th
          Aug 28
Scheduled with FSB before 4PM, closing can occur on Friday, Aug 31st
      Aug 29
Scheduled with FSB before 4PM, closing can occur on Tuesday, Sept 4th

    Aug 30

Scheduled with FSB before 4PM, closing can occur on Wednesday, Sept 5th

  Aug 31 

Scheduled with FSB before 4PM, closing can occur on Thursday, Sept 6th
       Sept 1 
    Sept 2 

  Sept 3 

Labor Day holiday - FSB closed

  Sept 4

Scheduled with FSB before 4PM, closing can occur on Friday, Sept 7th

  Sept 5

Scheduled with FSB before 4PM, closing can occur on Monday, Sept 10th

  Sept 6

Scheduled with FSB before 4PM, closing can occur on Tuesday, Sept 11th

 Sept 7

Scheduled with FSB before 4PM, closing can occur on Wednesday, Sept 12th
       Sept 8 
 Sept 9  

Tax Transcript Turn Times

All tax transcripts are now ordered by the submitting company through access to FSB's account with Partners Credit.  To request log in credentials to complete your transcript request, please use this form and send it in to [email protected].  For instructions on how to order please use this form:  How to order tax transcripts using Partners Credit.

Note:  Transcripts are only required for Self-Employed borrowers or income that is not W-2'd.  Any rental income, Sch C, F, E or Corporation Income must be supported with transcripts.  Any W-2 wage earner files that will not be ordering transcripts must supply tax returns to confirm the borrower is using W-2 income only.

FHA Case Number Turn Times

Email your request to [email protected]naganstatebank.com. There is a form available under Forms & Tools section.  If your request is not returned within 2 - 3 hours, please email us at [email protected].