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Working with Loan Republic Financial online is FAST! Our processing team and internet portal enable you to close a typical purchase or refinance transaction in as little as 21 calendar days:*

Day 1: Submission
What you do...

  1. Complete the secure application online at (takes about 10 minutes).
  2. Download, print, and sign the completed application.
  3. Upload, fax, or securely email your signed application and supporting documentation (bank statements amp; paystubs as requested on the cover-page of the application).
  4. Order your appraisal using your Visa or MasterCard (We apologize, but the appraisers are only accepting these two forms of payment).nbsp; Please note:nbsp; Your appraisal is non-refundable and cannot be transferred to another lender. If you are still shopping for lenders or are otherwise unsure if Loan Republic will be your financing solution, please do not order your appraisal!nbsp;
  5. Lock your loan.nbsp; You may lock online, by email, or by phone at 1-800-218-3315 x1026.nbsp; We will confirm the details with your first before locking to ensure mutual understanding and the timeline of events.**

What we do...

  1. Assign your application to a Loan Processor to review your application and supporting documentation for completeness.
  2. Obtain your automated loan approval from Fannie Mae / Freddie Mac / Ginnie Mae (if we are unable to obtain automated loan approval we pause the process to discuss alternatives. Should none be available, your appraisal order is cancelled and you do not incur the appraisal expense.)

Day 1: Epilogue
What you do...

  1. Should you choose not to lock the interest rate when ordering your appraisal because you believe rates may decrease, you may monitor current rates with our 'Rate Alert' service at; You must lock your rate before we draw documents (days 9-10 below) .

Day 2-10: Underwriting
What you do...

  1. Provide access to your property for the appraisal
  2. Provide additional supporting documentation requested by our underwriter (if any)

What we do...

  1. Order and receive your title report and appraisal
  2. Facilitate underwriting and loan approval
  3. Provide an updated Good Faith Estimate of closing costs and Truth in Lending disclosure

Day 11-14: Closing
What you do...

  1. Sign your loan documents with our mobile notary a location convenient for you (home, office, etc)

Day 15-20: Funding
What you do...

  1. Receive your final HUD1 closing statement

What we do...

  1. Fund your loan around day 11 (if purchase) or around day 15 (if refinance)

* Transactions which require additional processing time or are contingent on third party documents may take longer to close. Examples of such transactions: FHA-insured loans, short-sale purchases, and subordination of existing second mortgages.

** You must order your appraisal (and if a purchase transaction have an accepted offer) before locking your loan.nbsp; We cannot lock if your purchase is a short-sale transaction (bank-owned / REO purchases are ok to lock).

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Copyright 2024 Loan Republic Financial, Inc. Interest rates and fees change frequently without notice until you apply online and request a rate lock. We arrange but do not make loans. Licensed in CA - Department of Real Estate Broker License 01845942; CO - Division of Real Estate Broker License MB100009282; FL - Office of Financial Regulation Mortgage Broker Business License 550427; OR - Division of Finance and Corporate Securities Mortgage Broker License ML-4361; UT - Division of Real Estate Broker License 7004449-MLCO; WA - Department of Financial Institutions Mortgage Broker 510-MB-36934; Nationwide Mortgage Licensing System License #24796 | atl-rpt