The Honey Guide to Getting Funded

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We review your initial submission and documentation to determine eligibility. If you do not meet the minimum requirements for experience or credit score, you may add a qualified co-borrower to strengthen your application. 

Based on the information you provided in our system, preliminary terms have been issued for your review. It is important to provide all requested documents up front so that while your credit is being processed, we have the complete information needed to prepare your final terms. 

 A quick, secure review is conducted to verify borrower eligibility and confirm program requirements are met. If your credit score does not meet our minimum requirements, you may add a qualified co-borrower to strengthen your application. While a clean background is preferred, we cannot proceed with any applicant who has a history of financial fraud. 

Terms have been revised based on updated documentation and background checks. Please note these are still subject to change pending full underwriting review.

 We order your appraisal through our AMC (Appraisal Management Company). If you wish to transfer an existing appraisal, it must first be reviewed by our team to determine if it is eligible for use. 

Your file is thoroughly reviewed, finalized, and prepared for underwriting. At this stage, we make any necessary adjustments or updates to ensure accuracy and completeness before submission. 

We receive the appraisal report from the appraiser. If the property appraises at or above the expected value, we can proceed to the next step. If the appraisal comes in lower than expected, the borrower has the option to order a new appraisal at their own expense. Please note that appraisal reports cannot be released to the borrower until the loan has closed and funds have been disbursed. 

Your file is submitted to underwriting for final approval. If any changes or additional information are required during this stage, it is essential that the borrower respond promptly so we can keep the loan on track for a timely closing. This is why it is critical to provide all required documents accurately and in full before reaching this point in the process. 

Final approval has been granted, and we are in the final stage. At this point, we are simply preparing to disburse funds and complete the closing process. 

Your loan is officially closed, and funds have been disbursed. We’re excited to help you secure your investment property and look forward to your continued success.