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!

November Closing Calendar

 Monday
 Tuesday
 Wednesday
 Thursday
 Friday
 Saturday
 Sunday

 Oct 29

Scheduled with FSB before 4 PM, closing can occur on Thursday, Nov 1st
     Oct 30
Scheduled with FSB before 4PM, closing can occur on Friday, Nov 2nd

  Oct 31

Scheduled with FSB before 4PM, closing can occur on Monday, Nov 5th

Nov 1

Scheduled with FSB before 4PM, closing can occur on Tuesday, Nov 6th

 

  Nov 2

Scheduled with FSB before 4PM, closing can occur on Wednesday, Nov 7th
     Nov 3 
     Nov 4 
  

Nov 5

Scheduled with FSB before 4 PM, closing can occur on Thursday, Nov 8th
         Nov 6

Scheduled with FSB before 4PM, closing can occur on Friday, Nov 9th
   Nov 7

Scheduled with FSB before 4PM, closing can occur on Tuesday, Nov 13th
          Nov 8

Scheduled with FSB before 4PM, closing can occur on Wednesday, Nov 14th
             Nov 9

Scheduled with FSB before 4PM, closing can occur on Thursday, Nov 15th
     Nov 10 
   Nov 11 
          Nov 12
Closed  -
Veterans Day Holiday Observed
         Nov 13
Scheduled with FSB before 4PM, closing can occur on Friday, Nov 16th

Nov 14

Scheduled with FSB before 4PM, closing can occur on Monday, Nov 19th
         Nov 15
Scheduled with FSB before 4PM, closing can occur on Tuesday, Nov 20th
          Nov 16
Scheduled with FSB before 4PM, closing can occur on Wednesday, Nov 21st
    Nov 17 

 Nov 18 

      Nov 19

Scheduled with FSB before 4PM, closing can occur on Monday, Nov 26th
           Nov 20
Scheduled with FSB before 4PM, closing can occur on Tuesday, Nov 27th
           Nov 21
Scheduled with FSB before 4PM, closing can occur on Wednesday, Nov 28th
          Nov 22
Closed -
Thanksgiving Holiday
          Nov 23
Closed -
Day after
Thanksgiving
     Nov 24
   Nov 25

   Nov 26

Scheduled with FSB before 4 PM, closing can occur on Thursday, Nov 29th
             Nov 27
Scheduled with FSB before 4PM, closing can occur on Friday, Nov 30th
         Nov 28
Scheduled with FSB before 4PM, closing can occur on Monday, Dec 3rd

    Nov 29

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

  Nov 30

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

  Dec 3

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

  Dec 4

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

  Dec 5

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

  Dec 6

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

 Dec 7

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