Our Fast-as-Cash loans are all about SPEED & CERTAINTY

According to Ellie Mae, a software company that processes more than a third of U.S. mortgage applications, standard mortgages took an average of 47 days in 2020. VA loans took 51 days to complete, and FHA loans took the longest to close- 52 days on average.

Many banks, lenders and mortgage brokers are focused on “getting loans in the door” without properly pre-qualifying borrowers… This leads to waves of documentation, frustration, and lost contracts. Now, borrowers nationwide are losing bids because some sellers doubt that a mortgage will close on time- or if a mortgage will close at all… At Captain Mortgage, we built our company around fast closings so you have a real, competitive edge against the cash buyers in this market.

Our Fast-as-Cash submissions get approved in HOURS. We average 11.4 days* from submission to clear-to-close with many of our conventional loan products.

How do we do this?

Our process is what sets us apart and allows us to close loans faster and more consistently. We take the time to properly pre-qualify our applicants before sending our pre-approvals and compile as much as possible before you sign the purchase contract. We understand what our lenders are looking for and get a majority of the paperwork out of the way upfront, this limits surprises and takes the “guess work” out of mortgages.
All our Fast-as-Cash pre-approvals include a letter addressed to sellers and sellers agents that explain exactly how this works.