Eliminate extended turn times and multiple underwriting touches with our Express Lane products. Start fast tracking your eligible refinances today!

Our NEW Express Lane program was created to fast track and streamline the process for refinances that are not complicated to underwrite.

Check out our Current Turn Times for each Express Lane product turn time.

NOTE: Express Disclosures must be generated through the mello® Portal and loan must fit all program criteria to qualify for Express Lane.

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mello® Smart Loan


Express Lane Criteria

  • Partial or full digital income validation in mello®
  • W2 Only Income
  • Maximum of 1 property owned
  • Refer to Digital Verifications Job Aid for
    details below

 

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loanDepot Select


Express Lane Criteria

  • Program Code -
    Conventional Select Fixed 15- or 30- Year (W2 Only)
  • W2 Only Income
  • Maximum of 1 property owned
  • Refer to loanDepot Select Program Matrix for details below

 

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VA IRRRLs


Express Lane Criteria

  • Non-Credit Qualifying IRRRLs submitted with all documentation for a one-touch underwrite and
    final approval
  • Refer to Minimum Submission Requirement for
    details below

 


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