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 mtgsupportcenter@flanaganstatebank.com


**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 closings@flanaganstatebank.com 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!

September Closing Calendar

 Monday
 Tuesday
 Wednesday
 Thursday
 Friday
 Saturday
 Sunday

   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 3

  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 
        Sept 10
 Scheduled with FSB before 4PM, closing can occur on Thursday, Sept 13th
           Sept 11
Scheduled with FSB before 4PM, closing can occur on Friday, Sept 14th

Sept 12

Scheduled with FSB before 4PM, closing can occur on Monday, Sept 17th

            Sept 13
Scheduled with FSB before 4PM, closing can occur on Tuesday, Sept 18th
           Sept 14
Scheduled with FSB before 4PM, closing can occur on Wednesday, Sept 19th
          Sept 15 

 Sept 16  

      Sept 17

Scheduled with FSB before 4PM, closing can occur on Thursday, Sept 20th

           Sept 18
Scheduled with FSB before 4PM, closing can occur on Friday, Sept 21st
            Sept 19
Scheduled with FSB before 4PM, closing can occur on Monday, Sept 24th
         Sept 20
Scheduled with FSB before 4PM, closing can occur on Tuesday, Sept 25th
            Sept 21
Scheduled with FSB before 4PM, closing can occur on Wednesday, Sept 26th
         Sept 22 
 Sept 23 

   Sept 24

Scheduled with FSB before 4 PM, closing can occur on Thursday, Sept 27th

           Sept 25
Scheduled with FSB before 4PM, closing can occur on Friday, Sept 28
       Sept 26
Scheduled with FSB before 4PM, closing can occur on Tuesday, Oct 1st

    Sept 27

Scheduled with FSB before 4PM, closing can occur on Wednesday, Oct 2nd

  Sept 28

Scheduled with FSB before 4PM, closing can occur on Thursday, Oct 3rd

       Sept 29 
 Sept 30 

  Oct 1

Scheduled with FSB before 4 PM, closing can occur on Thursday, Oct 4th


  Oct 2

Scheduled with FSB before 4PM, closing can occur on Friday, Oct 5th

  Oct 3

Scheduled with FSB before 4PM, closing can occur on Tuesday, Oct 9th

  Oct 4

Scheduled with FSB before 4PM, closing can occur on Wednesday, Oct 10th

 Oct 5

Scheduled with FSB before 4PM, closing can occur on Thursday, Oct 11th

        Oct 6 
  Oct 7 

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 mtgsupportcenter@flanaganstatebank.com.  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 govrequests@flanaganstatebank.com. There is a form available under Forms & Tools section.  If your request is not returned within 2 - 3 hours, please email us at mtgsupportcenter@flanaganstatebank.com