The Lifetime Edge Guarantee

We’ve taken the guesswork out of home loans.

Quick. Fast. 

And in a hurry.

You're 30 days away from move-in-day

Why so fast? Glad you asked. We’ve spent the last 8 years streamlining our entire system and creating a more realistic approach to mortgage processing. This allows us to process your loan with less headaches and be able to spend more time working with you on more important matters. So everything from pre-approval to closing day is much easier, faster, and most importantly—guaranteed!

Seeing is believing

Loan processing is easy as 1, 2, 3!... 4, 5

Loan Application and Processing

Your application is taken and the necessary supporting documents are collected to ensure a smooth loan approval.

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Underwriting

Your application is reviewed to make sure you're within the loan guidelines.

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Loan Approval and Conditions

Once all of the conditions are met and satisfied, your final loan documents are ordered.

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Document Draw

The final loan documents are sent to the escrow company, ready for you to sign, notarize, and send back for closing.

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Closing and Move-in-Day

Loan funds are wired to the title company for disbursement, escrow is closed, and you're ready to move in*.

*Move-in-day may be different than your closing day based on your purchase contract.
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Apply for the Lifetime Edge Guarantee 

31 days after loan approval* and still not closed?
We'll return your appraisal fee—no questions asked.

Pre-qualify in less than 60 minutes »
*The Lifetime Edge™ 30-day Closing Guarantee begins on the day your loan is approved and excludes weekends and holidays.
© 2014 On Time Home Loans, Inc.
Loans are originated by On Time Home Loans, Inc. NMLS ID 1028172
¹LifetimeEdge™ is a registered service mark of On Time Home Loans, Inc. Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. This offer is not a commitment to lend and is subject to change without notice. There is no charge to receive a LifetimeEdge™ pre-approval.

Antelope Valley

38144 Sixth St. East 
Palmdale, CA 93550

San Fernando Valley

1701 Truman St. Ste. i
San Fernando, CA 91340

Los Angeles

227 East Pomona Blvd.
Monterey Park, CA 91755

Las Vegas (Coming Soon)

3900 S. Hualapai Way
Las Vegas, NV 89147