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Turn Times

DEPARTMENT PURCHASE REFINANCE
Broker Approval 48 Hours 48 Hours

Disclosures/Set Up

24 Hours   24 Hours

New Files for UW-Agency

72 Hours 72 Hours

New Files for UW-FHA (Full Doc)

72 Hours 72 Hours

New Files for UW-VA (Full Doc)

72 Hours 72 Hours

New Files for UW-VA IRRRL’s/FHA Streamlines

72 Hours 72 Hours

New Files for DSCR Loans

72 Hours 72 Hours

New Files-ITIN
(Non-Delegated) 

5 days Initial
4 Days Conditions
5 days Initial
4 Days Conditions

Conditions Review
(Once file is reviewed by AM and submitted to UW)

48 Hours 48 Hours

Initial CD Request

48 Hours 48 Hours

Docs Out

48 Hours 48 Hours

**Turntimes are subject to change and are not guaranteed**

Set Up

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.

New Submissions

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.

UW & Funding Conditions Review

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.

Docs-In Review

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).

Unite Mortgage Lock Cutoff time is 3 PM PST & Funding Cutoff time is 1:30 PM PST
Turn times are estimated on the day’s loan volume.
For additional questions about turn times, please contact your Account Executive.

Our Success Stories

Our partners work with us because they believe in the value of our platform.

"I loved the customer service as your team answered a number of questions. They were patience, informative, detailed, and truly helped me feel comfortable with the options presented. It’s great to know I have a partner to help me grow my business."

Carl S.

⭐⭐⭐⭐⭐

“Love the process. I’ve needed an industry expert to partner with who could provide that little extra piece of information that makes the difference. The people at Unite are honest, straight-forward, and always there for me. My new wholesale partner is Unite Mortgage.”

Jason C.

⭐⭐⭐⭐⭐

“These guys know their stuff. They’re nationwide and give me options many others don’t. The support I received really helped turn around my business.”

Tony G.

⭐⭐⭐⭐⭐

“The expertise and understanding of a variety of loan products was what sold me. With the detailed guidelines for Non-QM and DSCR programs, I needed someone to show me how best to leverage these products. Thank you, Unite Mortgage."

Jane W.

⭐⭐⭐⭐⭐

"I greatly appreciated everybody’s diligent work toward funding this loan. It’s been a pleasure working with all you. The service at Unite Mortgage is excellent."

Joe N.

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