Your Government Lending Specialist    

      USDA, FHA, VA & Conventional Lender

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Underwriting Turn Times

Our turn times are currently at 24 - 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 Early CD Process  to understand how our process works!

January Closing Calendar

 Monday
 Tuesday
 Wednesday
 Thursday
 Friday
 Saturday
 Sunday

 Dec 31

Scheduled with FSB before 4 PM, closing can occur on Friday, Jan 4th
        Jan 1
Closed - holiday
New Years Day

  Jan 2

Scheduled with FSB before 4PM, closing can occur on Monday, Jan 7th


 Jan 3

Scheduled with FSB before 4PM, closing can occur on Tuesday, Jan 8th

 

 Jan 4

Scheduled with FSB before 4PM, closing can occur on Wednesday, Jan 9th
       Jan 5 
      Jan 6 
   

Jan 7

Scheduled with FSB before 4 PM, closing can occur on Thursday, Jan 10th
         Jan 8

Scheduled with FSB before 4PM, closing can occur on Friday, Jan 11th
    Jan 9

Scheduled with FSB before 4PM, closing can occur on Monday, Jan 14th
         Jan 10

Scheduled with FSB before 4PM, closing can occur on Tuesday, Jan 15th
              Jan 11

Scheduled with FSB before 4PM, closing can occur on Wednesday, Jan 16th
       Jan 12 
    Jan 13 
            Jan 14
Scheduled with FSB before 4PM, closing can occur on Thursday, Jan 17th
       Jan 15
Scheduled with FSB before 4PM, closing can occur on Friday, Jan 18th

Jan 16

Scheduled with FSB before 4PM, closing can occur on Tuesday, Jan 22nd
           Jan 17
Scheduled with FSB before 4PM, closing can occur on Wednesday, Jan 23rd
            Jan 18
Scheduled with FSB before 4PM, closing can occur on Wednesday, Jan 23rd
      Jan 19 

   Jan 20

      Jan 21

Scheduled with FSB before 4PM, closing can occur on Thursday, Jan 24th
             Jan 22
Scheduled with FSB before 4PM, closing can occur on Friday, Jan 25th
     Jan 23
Scheduled with FSB before 4PM, closing can occur on Monday, Jan 28th
            Jan 24
Scheduled with FSB before 4PM, closing can occur on Tuesday, Jan 29th

 Jan 25

Scheduled with FSB before 4PM, closing can occur on Wednesday, Jan 30th
       Jan 26 
   Jan 27 

Jan 28

Scheduled with FSB before 4PM, closing can occur on Thursday, Jan 31st


 Jan 29

Scheduled with FSB before 4PM, closing can occur on Friday, Feb 1st

 Jan 30

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

      Jan 31

Scheduled with FSB before 4PM, closing can occur on Tuesday, Feb 5th

 Feb 1

Scheduled with FSB before 4PM, closing can occur on Wednesday, Feb 6th
      Feb 2 
    Feb 3 

 Feb 4

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

 Feb 5

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

 Feb 6

Scheduled with FSB before 4PM, closing can occur on Monday, Feb 11th

 Feb 7

Scheduled with FSB before 4PM, closing can occur on Tuesday, Feb 12th

 Feb 8

Scheduled with FSB before 4PM, closing can occur on Wednesday, Feb 13th
       Feb 9 
   Feb 10 

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]. 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].