The process
Weeks, not seasons.
Every step happens in your client portal: upload, sign, message, track. No fax machines, no branch visits, no paperwork harvest.
01
Apply in five minutes
One conversational form: the property, the loan, your timeline. A soft credit check confirms the 680 minimum. No documents are requested — not now, not later.
02
Term sheet in 24–48 hours
Our underwriters review land value, water, access and use, and our AI scores program fit instantly. You receive a written term sheet with amount, rate range and timeline.
03
Appraisal & title
Sign the term sheet electronically in your client portal. We order the appraisal and title work; you track everything — and message your loan team — in one place.
04
Close and fund
Final documents are signed electronically or with a mobile notary. Most files fund 2–4 weeks after the signed term sheet.