Pre-approved Sunday night from my couch, offer accepted Tuesday, keys in hand less than three weeks later. The milestone tracker meant I never had to chase anyone for updates.
The refi break-even chart they sent showed our exact payoff point: month 14. No pressure, no sales script — just math we could verify ourselves. We pulled the trigger the same week.
Two LLCs, K-1 income, and I still had an underwritten approval in 48 hours. Devin knew exactly which lender would get my file and priced it three ways before I asked.
I could see underwriting status in real time, upload documents from my phone, and message my advisor in one thread. Compare that to my last lender's fax machine. Not kidding. Fax.
An automated document request came through twice, which was confusing for a day. Support cleared it fast and the rest was seamless. Still the best lending experience I've had.
They pulled my COE before our first call was even over. Zero down, seller credits negotiated, and my advisor explained the funding fee options in plain language. Squared away.
My bank of 15 years quoted me a rate. Summit beat it by .5% with lower fees, and showed me the lender comparison to prove it. Loyalty is nice; a lower payment is nicer.
Credit score of 612 and I thought ownership was years away. Rachel walked me through FHA plus a state assistance grant that covered most of my down payment. Moved in eight weeks later.
I sent embarrassingly detailed questions at 1am. Every single one had a thoughtful answer by 8am — from a human, with my actual numbers in the reply. That's the standard now.
Join 4,700+ borrowers who found a faster way up. No hard pull, no obligation.
Get pre-approved →