21-Day Fast Track TBD Loan Program on Home Loans

21 Day Fast Track TBD Loan Program: The Fastest Way to Close Your Mortgage

Buying a home shouldn’t take months. At Gustan Cho Associates, our 21–Day Fast Track TBD Loan Program allows homebuyers to close their loans in 21 days or less. This program is designed for serious buyers who want the speed and certainty of a cash offer — without the stress of traditional loan delays.

If you’re tired of waiting weeks for underwriting approvals or losing homes to faster buyers, the 21-day fast track TBD loan program is your competitive advantage in today’s housing market.

At Gustan Cho Associates, we’ve built the 21-day fast track TBD loan program around a straightforward reality: most purchase delays happen before a buyer ever goes under contract—during document collection, processing, and underwriting. Our process removes that bottleneck by completing a full credit, income, and asset underwrite upfront (TBD—To Be Determined). Once you have a signed purchase contract, we can focus on property-only items, such as the appraisal, title, and final verifications. That’s how we compress timelines and reduce last-minute surprises that commonly derail closings.

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What Is the 21 Day Fast Track TBD Loan Program?

The 21-day fast track TBD loan program is a special accelerated mortgage process created by Gustan Cho Associates to help homebuyers get fully approved before choosing a property.

TBD means “To Be Determined” (no property address yet). With TBD underwriting, we verify your income, assets, and credit upfront and conduct a comprehensive underwriting review before you select a home. Once you’re under contract, we focus on the property items—appraisal, title, and final verifications—so you can close much faster than a traditional timeline would allow. (Many lenders describe TBD as a conditional approval before you have an address.)

What TBD Underwriting Is (and Isn’t)

Is: a thoroughly reviewed borrower file (income/asset/credit) completed early
Isn’t: a cash offer or a final approval without property conditions
Final approval still depends on: acceptable appraisal, clear title, and required final verifications

21-Day FAST Track TBD Loan Program — Start Now

Get underwritten before you shop. Stronger offers, faster closings.

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How Does the 21 Day Fast Track TBD Loan Program Work?

The 21-day fast track TBD loan program follows a simple but powerful process that saves borrowers weeks of waiting time.

Step 1: Apply with Gustan Cho Associates

We collect your financial documents and run automated underwriting findings (AUS). Our team verifies your income, employment, and assets immediately.

Step 2: Processing and Underwriting

Your mortgage file is assigned to an experienced underwriter who performs a full credit underwrite. The only missing piece is the property information.

Step 3: Full Mortgage Approval

Once underwriting is complete, you receive a loan commitment, not a pre-approval. This means you’re already approved — you just need a property.

Step 4: Submit Property Details

After you go under contract, our team immediately orders the appraisal and title work to verify the property.

Step 5: Clear to Close in 21 Days or Less

When the property passes appraisal and title review, we issue your clear to close. Under the 21-day fast track TBD loan program, most loans close within 10–21 days.

Document Checklist for the 21-Day Fast Track TBD Loan Program

To get fully underwritten upfront (before you have a property address), we’ll request standard mortgage documentation. Having these ready helps us move faster and hit the 10–21-day closing window once you’re under contract.

Basic Documents (Most Borrowers)

Government-issued photo ID (driver’s license or passport)
Social Security number (or ITIN documentation if applicable)
Two years of residential history (addresses and landlord contact if renting)

Income Documents (Choose What Applies)

W-2 Employees

Most recent 30 days of pay stubs
Most recent 2 years of W-2s
Most recent 2 years of federal tax returns (if required for your situation—bonus, commissions, multiple jobs, etc.)

Self-Employed / 1099

Most recent 2 years of personal tax returns (if used for qualification)
Most recent 2 years of business tax returns (if applicable)
Year-to-date profit & loss statement (and sometimes balance sheet)
Business license or proof of business existence (as applicable)

Retirement / Fixed Income

Social Security award letter or pension statement
Recent proof of receipt (bank statements showing deposits)

Asset & Funds-to-Close Documents

Most recent 60 days of bank statements for checking/savings (all pages)
Most recent 60 days of retirement/investment statements (401k/IRA/brokerage) if needed
Source documentation for large deposits (if they appear)
Gift funds letter + donor documentation (if using a gift)
If selling a home: settlement statement/closing disclosure (when available)

Credit / Liability Items (If Applicable)

Bankruptcy or foreclosure discharge papers (if applicable)
Divorce decree/child support order (if applicable)
Student loan documentation (if not clearly reflected on credit)
Explanation letters for recent credit events (as needed)

After You Go Under Contract (Property Items)

Once you have a signed purchase contract, we’ll also need:

Fully executed purchase contract (all pages and addenda)
Realtor contact information
Earnest money documentation (copy of check/wire receipt)
Homeowners insurance quote and agent contact
HOA information (if applicable)

Pro Tip: Don’t open new credit, change jobs, or move large sums between accounts during the TBD underwriting process. Even small changes can create new documentation conditions and slow the timeline.

Why the 21 Day Fast Track TBD Loan Program Is Like a Cash Offer

With the 21-day fast track TBD loan program, you’re not waiting for an underwriter to review your file after finding a home — you’re already approved.

This means your offer is as strong as cash in the eyes of sellers and listing agents. It also removes the risk of last-minute loan denials or underwriting surprises.

By going through full underwriting early, buyers gain confidence, sellers gain security, and realtors can negotiate faster closings.

Why Realtors Recommend the 21 Day Fast Track TBD Loan Program

Realtors love the 21-day fast track TBD loan program because it helps their clients close faster and stand out in competitive markets.

With most traditional loans, buyers wait weeks for underwriting approval after going under contract. That delay often causes sellers to choose cash or quicker buyers instead. But with the 21-day fast track TBD loan program, your buyer is already approved. Once the appraisal and title are cleared, the deal can close in 10 days or less.

This program gives realtors the confidence to market buyers as fully qualified and ready to close, minimizing fall-through risk.

Benefits of the 21 Day Fast Track TBD Loan Program

The program offers multiple advantages over standard pre-approvals:

Full underwriting approval before finding a home
Closing within 21 days or less after the contract is accepted
No lender overlays — approvals based on AUS findings only
Higher success rate in competitive markets
Stress-free process with fewer last-minute conditions

This program is ideal for borrowers who want speed, certainty, and an edge when making offers.

Who This Program Is For

The 21-Day Fast Track TBD Loan Program is designed for people who need a real competitive edge and a cleaner path to closing:

Homebuyers in competitive markets where sellers prefer fast closings and low fall-through risk
Buyers relocating to a new city or state who want approval locked in before home shopping trips
First-time buyers who wish to clear steps, fewer surprises, and stronger guidance upfront
Move-up buyers who need a tight timeline to coordinate selling and buying
Real estate agents who want stronger financed offers, smoother transactions, and fewer last-minute underwriting issues
Serious shoppers who are ready to submit offers quickly and don’t want to lose homes to cash or “faster” buyers

No Lender Overlays: Why Gustan Cho Associates Is Different

Many lenders have “overlays” — extra rules beyond standard FHA, VA, USDA, or Fannie Mae guidelines.

At Gustan Cho Associates, our 21-day fast track TBD loan program is built around zero overlays. We approve borrowers strictly according to agency guidelines, not internal restrictions.

Here are examples of overlays we do not require:

Paying off old collection accounts when FHA doesn’t require it
Minimum three open tradelines for three years
Credit scores above 620, when FHA allows 500
DTI caps under 50% when FHA allows up to 56.9%

That’s why over 75% of our borrowers come from other lenders who turned them down — and why our 21-day fast track TBD loan program succeeds where others can’t.

Get a TBD Underwrite in Days

Beat competing buyers with a true credit-income approval, not a pre-qual.

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The Timeline: How Fast You Can Close

Stage	Time Frame
Initial file setup	2–3 days
Full underwrite approval	3–5 days
Property under contract	Varies
Appraisal and title cleared	3–5 days
Clear to close	21 days or less

With the 21-day fast track TBD loan program, the heavy lifting is done before you even find your home.

How the 21 Day Fast Track TBD Loan Program Helps Buyers Compete

Imagine two buyers bidding on the same property.

Buyer A: Regular Pre-Approval

Buyer A has obtained a standard pre-approval from their lender, which means they have been assessed based on their creditworthiness, income, and financial stability. While this pre-approval gives them a clear idea of their borrowing capacity, it may take longer to finalize the loan, leaving them at a potential disadvantage in a competitive market.

Buyer B: 21-Day Fast Track TBD Loan Program

Buyer B uses the 21-day fast track TBD loan program, which makes getting loan approval quicker and easier. This program reflects Buyer B’s strong financial standing and positions them as a more attractive option for sellers, as it increases the likelihood of closing within a shorter timeframe.

The seller will likely choose Buyer B because their loan is already underwritten and can close within 10 days of the contract.

That’s the difference this program makes — absolute confidence, real speed, real results.

Who Can Qualify for the 21 Day Fast Track TBD Loan Program?

The 21-Day fast track TBD loan program works with:

FHA loans
VA loans
USDA loans
Conventional loans

Because Gustan Cho Associates has no overlays, we can approve borrowers who:

Have lower credit scores (down to 500 FHA)
Have higher debt-to-income ratios
Have past collections or charge-offs
Have a limited credit history

If you meet standard lending guidelines, you can qualify for the 21-day fast track TBD loan program.

After You Find a Home: From Contract to Closing

Once you’re under contract:

We order a rush appraisal immediately.
The title company submits property details for underwriting.
Once both are cleared, you’re issued a clear to close.

Because the 21-day fast-track TBD loan program eliminates early bottlenecks, you can close within 10–21 days of accepting the offer.

Why It’s Also Known as the “Accelerate Buyer’s Mortgage Program”

At Gustan Cho Associates, the 21-day fast track TBD loan program is also known as the Accelerate Buyer’s Mortgage Program.

It’s designed for serious buyers who want to move fast, avoid delays, and compete against cash offers with full underwriting confidence.

How to Get Started With the 21 Day Fast Track TBD Loan Program

Getting started is easy. All TBD loan approvals at Gustan Cho Associates are full credit-approved mortgage underwrites.

Borrowers who need a five-star national mortgage company licensed in 50 states with no overlays and who are experts on the 21-day fast track TBD loan program, please contact us at 800-900-8569, text us for a faster response, or email us at alex@gustancho.com.

Our team is available 7 days a week, including evenings, weekends, and holidays, to help you get started with your 21-day fast track TBD loan program.

No Lender Overlays. Real Approvals.

We follow agency guidelines and underwrite upfront for speed.

See if you qualify

Frequently Asked Questions About the 21-Day Fast Track TBD Loan Program:

Q: What Does TBD Mean in Mortgage Terms?

A: TBD means “To Be Determined,” allowing you to get approved before choosing a property under the 21-day fast track TBD loan program.

Q: How Does the 21-Day Fast Track TBD Loan Program Work?

A: We fully process and underwrite your loan before you find a home, so once you are under contract, you can close in 21 days or less.

Q: How is it Different From a Pre-Approval?

A: A TBD approval is a full underwrite, while pre-approvals are preliminary. That’s why the 21-day fast track TBD loan program gives buyers more confidence.