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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 

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 

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

Feb 27

Schedule with FSB before 11 am, closing can occur on Tuesday Feb 28

Tuesday

Feb 28

Schedule with FSB before 11 am, closing can occur on Wednesday Mar 1

Wednesday

Mar 1

Schedule with FSB before 11 am, closing can occur on Thursday Mar 2

Thursday

Mar 2

Schedule with FSB before 11 am, closing can occur on Friday Mar 3

Friday

Mar 3

Schedule with FSB before 11 am, closing can occur on Monday Mar 6

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 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

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!

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