How We Close
Five parties. One timeline. 12 days.
Closings die in email chains between your lender, title company, insurance agent, and appraiser. We built software that puts everyone on the same page — literally. Here's a real $1.45M closing, start to wire.
Where the other 30 days go.
Slow closings are almost never an underwriting problem. They're a coordination problem.
Five parties, five inboxes
Lender, title, insurance, appraiser, attorney — each working from a different email thread, none seeing the others’ status.
"Which version is final?"
The payoff letter gets resent four times. The title commitment lives in someone’s downloads folder. Nobody is sure what’s current.
The Friday wire that misses cutoff
One unanswered email Thursday afternoon becomes a Monday closing. Then the seller gets nervous.
Status by phone tag
"Let me check with the title company and call you back." Days disappear into voicemail.
The system every 818 deal runs on.
The same platform our team, your title company, and your insurance agent all work from.
STEP 1 · DOCUMENTS
One checklist, generated on day one.
The moment your deal enters our pipeline, the system generates the exact document checklist for your loan type — and enforces one canonical, versioned copy of every file. On the Colleyville deal below, that meant 221 documents flowing through one system. Zero "final_v2_FINAL.pdf".
Deal checklist · Fix & Flip
STEP 2 · PARTIES
Every party gets their own portal.
Your title company, insurance agent, and appraiser each receive a secure link showing exactly the documents they need — nothing more. No forwarding chains, no over-sharing your financials, no "can you resend that?". They upload directly into the same checklist you see.
Party access
Each party sees only their documents. Financials stay private.
STEP 3 · COMMUNICATION
One conversation, not five threads.
Email, text, calls, and portal activity land in a single per-deal timeline on our side. AI drafts the routine responses; a human approves every send. That’s how a founder-led team keeps a 2-business-hour reply commitment — nothing gets buried.
Deal timeline
STEP 4 · STATUS
A timeline everyone can see.
Borrower, broker, title — same live status. When the appraisal lands, everyone knows. When we’re clear to close, everyone knows. No phone tag, no surprises at the closing table.
Deal status
Submitted
Terms
Diligence
CTC
Funded
Clear to close — wire scheduled. Visible to borrower, broker & title.
Real Deal · Day by Day
A fire-gutted $2.1M rebuild, funded in 12 days.
This is the same Colleyville, TX heavy rehab from our Fix & Flip case study — seen from the closing side.
Day 0 · May 19, 2026
Deal submitted
A $2M+ Colleyville, TX luxury home gutted by fire to the studs — construction budget nearly equal to the purchase price. The kind of file that gets declined on sight. 90-second scenario, no hard credit pull.
Term sheet issued
90% LTC, 100% of construction financed, 9.75% — sized to ~69% of the $2,122,000 appraised ARV.
Appraisal, title & insurance run in parallel
Each party worked from its own portal view of the same checklist — title commitment, insurance binder, and ARV appraisal coordinated simultaneously instead of sequentially.
Clear to close
Settlement statement reconciled and approved through the same system. No version confusion at the table.
Day 12
$1,456,500 wired
Twelve days after submission — and $121,145 in cash back to the operator at the closing table.
Dated milestones reflect this transaction's records; intermediate steps are shown in sequence without dates. One funded transaction — individual timelines vary with appraisal scheduling, title work, and document readiness.
The Deal at a Glance
221 documents
one system · zero email chains
What this means for your deal.
You never chase anyone
We coordinate title, insurance, and appraisal. Your job is the deal, not the paperwork relay.
You never wonder where it stands
Live status, 2-business-hour replies, and a decision-maker on the file — not a loan-officer phone tree.
Your closing team will thank you
Title companies tell us our deals are the easiest on their desk. That goodwill shows up as speed.
Title Companies & Attorneys
Work one deal with us and you'll ask your other lenders why they don't run closings this way. If you close investment property transactions, we'd like to meet you.
Introduce your team →Your deal deserves this closing.
90 seconds to submit. No hard pull. A real answer from a founder-led team within 2 business hours.
Figures reflect a single funded transaction; individual results and timelines vary. Not a commitment to lend; all loans subject to credit approval, underwriting, and property qualifications. Equal Housing Opportunity. NMLS #2832335.