Every promise has a time on it.
2 hours to review credit, on a soft pull. 24 hours to put a signed Pre-Qual in your hands. 48 hours to have your buyer sitting down with the numbers.
Your number one complaint about lenders is communication. Ours is a system built so that nobody, not you, not your buyer, not the listing side, ever has to ask where the loan is. Every update lands before you think to check.
Any lender can call themselves white glove. Nobody can be held to it. A number you publish is a number you can be measured against, which is the entire point. Underneath it sit three rules.
You hear from us before you wonder. Application received, credit reviewed on a soft pull, docs in, Pre-Qual signed, appraisal back, clear to close, funded. Each one reaches you the day it happens, in writing, with the AAR Loan Status Update attached.
"I'll get to it" isn't a promise. "Pre-Qual in your hands by tomorrow at 5" is. Our system holds our own feet to the clock on every stage and flags us before a deadline slips, not after.
Ricky owns every file, start to finish. One number to text, one person accountable. Our team works behind the scenes; you and your buyer always talk to the person who can actually fix it.
Left column is what we promise. Middle is what happens. Right is what you get, without asking.
Within minutes your buyer has a text and an email in Ricky's voice: what happens next, when, and a secure upload link. You get a text the same minute with the two promises that matter: a soft pull credit review today, Pre-Qual within 24 hours.
A tri-merge credit report reviewed within two hours, pulled as a soft inquiry. If your buyer qualifies, they hear good news the same hour. If it needs work, they get a written credit plan with a target date instead of a vague "we'll see."
A soft pull does not affect your buyer's credit score, and other lenders cannot see it. That second part matters more than most people realize: a hard mortgage inquiry is what lets the bureaus sell your buyer's name as a trigger lead, which is why some buyers get a wall of cold calls the day after they apply somewhere. A soft pull does not set that off.
We do not run a hard pull unless and until it is genuinely necessary, which in practice means your buyer is moving forward on a real property and the file has to go to underwriting. Even then, your buyer hears it from us before it happens, never after. Nobody's credit gets pulled hard so we can feel busy.
A short, specific list. Not "send everything," but paystubs for 30 days, two months of bank statements, all pages. Reminders go out at 24 and 48 hours if something's missing. At 72 hours you get a heads-up so you can nudge, and we never let a file go quiet.
Your buyer signs the Arizona Association of REALTORS Pre-Qualification Form on their phone in about a minute. The second it's signed, it's in your inbox and your texts with a download link that works anywhere for 60 days.
Before an offer is written, your buyer knows their payment, their cash to close, and their ceiling cold. No surprises at the CD. Afterward they get a personal video and a handwritten card. Yes, a real one.
Every AAR contract clock (LSU day 10, inspection, PTD notice, docs to escrow) and every TRID clock is tracked against the close date and called out before it's at risk. Lock expiration is checked against closing every day.
Each milestone fires an update to the buyer, to you, and a version for the listing side, each written for its audience. The buyer's version explains what the step means. Yours has the numbers. The listing side hears "on track for the 18th" and nothing that isn't theirs to know.
You hear the minute it funds. The listing agent gets a thank-you and a review request. Your buyer gets a welcome-home note and a lender for life, which is the part most lenders skip.
Real formats, real cadence. Short texts for speed, one email a week with the paper the seller's side will ask for.
The appraisal is where deals get saved or lost, and where loose lips cost your buyer money. We have a rule for every outcome, and it's automatic.
Buyer, you, and the listing side all get "appraisal complete, on track for the 18th." Clean and done.
The buyer and you get the "came in higher" opportunity: seller credit, buydown, costs covered. The listing side only ever hears "appraised at value." Their leverage is not our problem to hand them.
Nothing goes to the buyer or the listing side until you and Ricky have a plan. Price, credit, gap, reconsideration of value, or conditions we can clear fast. Then we execute it together.
Most lenders disappear after funding, and your buyer's next transaction goes to whoever mails them first. We keep them warm for you, in your name and ours.
"How's the house?" plus the rule for life: if anyone pitches a refi or a sale in year one, call Ricky first. He'll tell them the truth even when it costs him.
Rate and equity on watch. Every refi mailer they get, they forward to us and we tell them in two minutes whether it's real. Most aren't.
A 15-minute mortgage review, a home-anniversary note, and Rate Watch: the week a refinance actually saves them money, they hear from us first, before any ad does.
"The loan is the smallest part of what we do. The experience is what your buyer talks about at the next open house. That's what sends you referrals, and that's what we build for."
Fifteen minutes with Ricky and you'll know exactly what your buyers get, what you get, and when. No pitch. Bring a live deal if you have one and we'll run it on the call.