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 on re-submissions and 48 - 72 hours for new files.  

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 Early CD Process  to understand how our process works!

May Closing Calendar

 Monday
 Tuesday
 Wednesday
 Thursday
 Friday
 Saturday
 Sunday
     Apr 29

Scheduled with FSB before 4PM, closing can occur on Thursday, May 2nd
           

Apr 30

Scheduled with FSB before 4PM, closing can occur on Friday, May 3rd

 May 1

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


May 2

Scheduled with FSB before 4PM, closing can occur on Tuesday, May 7th
  May 3

Scheduled with FSB before 4PM, closing can occur on Wednesday, May 8th
  May 4  
  May 5  
     May 6

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

Scheduled with FSB before 4PM, closing can occur on Friday, May 10th
           May 8

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

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

Scheduled with FSB before 4PM, closing can occur on Wednesday, May 15th
  May 11  
 May 12  
         May 13

Scheduled with FSB before 4PM, closing can occur on Thursday, May 16th
         May 14

Scheduled with FSB before 4PM, closing can occur on Friday, May 17th
        May 15

Scheduled with FSB before 4PM, closing can occur on Monday, May 20th
        May 16

Scheduled with FSB before 4PM, closing can occur on Tuesday, May 21st
            May 17

Scheduled with FSB before 4PM, closing can occur on Wednesday, May 22nd
  May 18  

   May 19

      May 20

Scheduled with FSB before 4PM, closing can occur on Thursday, May 23rd
           May 21
Scheduled with FSB before 4PM, closing can occur on Friday, May 24th
         May 22
Scheduled with FSB before 4PM, closing can occur on Tuesday, May 28th
         May 23
Scheduled with FSB before 4PM, closing can occur on Wednesday, May 29th

May 24

Scheduled with FSB before 4PM, closing can occur on Thursday, May 30th
   May 25
 May 26 

May 27

MEMORIAL DAY HOLIDAY - FSB CLOSED

May 28

Scheduled with FSB before 4PM, closing can occur on Friday, May 31st

         May 29

Scheduled with FSB before 4PM, closing can occur on Monday, June 3rd

      May 30

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

May 31

Scheduled with FSB before 4PM, closing can occur on Wednesday, June 5th
   June 1
   June 2

       June 3

Scheduled with FSB before 4PM, closing can occur on Thursday, June 6th

     June 4

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

          June 5

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

         June 6

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

          June 7

Scheduled with FSB before 4PM, closing can occur on Wednesday, June 12th
  June 8 
   June 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 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]. 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].