Win the bidding war and close quickly with certainty.

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How FastTrack Works:

Instead of waiting on banks and all their red tape, Certainty Home Lending has one person to handle both the processing and underwriting. So, homebuyers are clear to close in as fast as 24 hours² and closing on their dream home in as fast as 10 days.

Access and Sign

Access your account from our secure portal. Electronically sign the initial application package.

$250 Lender Credit²

Return and upload the requested documentation within 24 hours and receive a $250 lender credit.

Get Your Final Approval

We're work to validate income, assets, and credit and give a clear to close in 24 hours.

Close in 10 Days or Less

Once you are clear to close, you can close on your dream home in as little as 10 days.

1 Certainty Home Lending cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. All dates are estimates and will vary based on all involved parties level of participation at any stage of the loan process. Contact Certainty Home Lending for more information.

2 The Certainty Home Lending FastTrack provides that eligible borrowers will receive a “Clear to Close Loan Commitment” (“CTC”) within twenty-four business hours from Certainty Home Lending’s receipt of all necessary borrower documentation. Certainty Home Lending reserves the right to revoke this “CTC” at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within twenty-four business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Eligible for primary and second homes. Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification. Self-employed borrowers and Co-borrowers are not eligible. Not all borrowers will be approved. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. $250 Closing Cost Credit is available from 12/5/22 through 11:59 PM, 6/30/23 and is applied at closing, no cash value. Not available for Refinances in Texas. Restrictions apply. Contact Certainty Home Lending for more information.