Common
Anticipations.
Transparency is our core principle. If you don't find the clarity you seek here, our adviser is available 8am–6pm, 7 days a week — and responds within 1 hour.
Direct Inquiry
For complex financial structures or urgent rate locks, please connect with our Priority Desk directly.
Our "Finch Mortgage" standard is a 28-day close. The initial assessment takes less than 5 minutes, and formal conditional approval is typically granted within 48-72 hours of receiving your financial documentation.
Yes. Your initial "Private Assessment" is a soft credit inquiry and will NOT impact your credit score. If you choose to formalize an application, a hard inquiry will be required to anchor your final rate.
Timing the market is complex. We recommend locking your rate once you have a signed purchase agreement. For ultra-high net worth clients, we offer "Lock & Shop" programs for up to 90 days.
PMI is typically required if your down payment is less than 20%. Once your equity reaches 20% through payment or appreciation, we provide a streamline audit to remove the PMI structure automatically.