**Turntimes are subject to change and are not guaranteed**
| DEPARTMENT | PURCHASE | REFINANCE |
|---|---|---|
| Broker Approval | 24 Hours | 24 Hours |
Disclosures/Set Up | 24 Hours | 24 Hours |
New Files for Prime 2nd | 72 Hours | 72 Hours |
New Files for UW-Agency | 48-72 Hours | 48-72 Hours |
New Files for UW-FHA (Full Doc) | 48-72 Hours | 48-72 Hours |
New Files for UW-VA (Full Doc) | 48-72 Hours | 48-72 Hours |
New Files for UW-VA IRRRL’s/FHA Streamlines | 48-72 Hours | 48-72 Hours |
New Files for DSCR Loans | 48-72 Hours | 48-72 Hours |
New Files-ITIN (Non-Delegated) | 10 days Initial / Conditions | 10 days Initial / Conditions |
Conditions Review (Once file is reviewed by AM and submitted to UW) | 48 Hours | 48 Hours |
Initial CD Request | 24 Hours | 24 Hours |
Docs Out | 24 Hours | 24 Hours |
**Turntimes are subject to change and are not guaranteed**
Loans submitted before 3 PM PST (6 PM EST) are considered same day. Loans submitted after 3 PM PST (6 PM EST) will be set up the following business day.
The Turn time starts once the file is placed in submitted status.
The file has been submitted at 2:59 PM PST on Monday. Tuesday represents day one of the stated turn time, Wednesday represents day two. The loan will be out of underwriting by end of business Wednesday.
The file has been submitted at 3:01 PM PST on Monday. This is treated as a Tuesday upload, so Wednesday represents day one of the stated turn time, Thursday represents day two. The loan will be out of underwriting by end of business Thursday.
Conditions have been uploaded before 3 PM PST, the following business day represents the first day of the stated turn time; loan will be underwritten by end of business on the day indicated by the stated turntime. Condition packages uploaded after 3 PM PST will be treated as though they were uploaded the following business day.
For example, Condition package uploaded at 2:59 PM on Monday. Tuesday represents day one of the stated turn time. The loan will be out of underwriting by end of business Tuesday.
For example, Condition package uploaded at 3:01 PM on Monday. This is treated as a Tuesday upload, so Wednesday represents day one of the stated turn time. The loan will be out of underwriting by end of business Wednesday.
The Docs-In Review Turn Time is based on the time of day of the receipt of loan docs.
To FUND a loan the same day the loan package must be received by 9 AM PST. Any package received after this time will roll into the next business day (unless approved by Unite management).
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Jet Mortgage is a DBA of Home Mortgage Alliance Corporation (HMAC) NMLS License # 1165808 (www.nmlsconsumeraccess.org).
Jet Mortgage is Direct Seller Servicer of Fannie Mae & Freddie Mac.
BRE License #: 01526821 | DBO License #: 603L284.
California Residential Mortgage Lending Act (CRMLA) License Number – 603L284
California – DFPI Residential Mortgage Lending Act License Number – 41DBO-13449