CPF Mortgage Home Values

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Documentation

What happens next, and how long it takes.

From a complete application to closing, most CPF purchase loans close in 15 to 20 days. Here is every step in between.

Your part is short: a five-minute conversation, an application that takes 10 to 20 minutes, and a list of documents. Everything after that is ours.

  1. Five minutes

    Tell us what you are trying to do

    A pre-qualification, online or by phone. No credit pull is needed for an estimate.
  2. Within one business day

    Get real options, not a rate sheet

    A loan officer comes back with two or three programs that fit, with the costs and the trade-offs of each laid out side by side.
  3. Usually 24 to 48 hours

    Pick one and get pre-approved

    We verify income, assets and credit and issue a pre-approval letter you can shop with. It does not lock you into anything. Appraisal, title and underwriting run in parallel. Our own team obtains, validates and quantifies the supporting documentation the underwriter will review before the file is submitted, not after. That is why this stretch is as short as it is.
  4. 15 to 20 days in

    Closing day

    The underwriter issues a clear to close. Title, lender, agents and sellers agree a time, you sign, we fund, and the home is yours.

No credit impact.

Different teams work on your file, but your main points of contact stay the same from the first call to the closing table, and your loan officer gives you a realistic date for your file up front.

Read the process in full About CPF Mortgage

Our Services

Pick the one that sounds like you. Each opens the right next step. No starting over.

  • Home Purchase Loans

    Find a loan that fits your monthly budget and make your dream of homeownership a reality. Start a purchase quote

  • Fast Funding

    Need a loan fast? Our fast funding options get you approval and funding in just a few days or less. See loan options

  • Refinance Rates

    What current refinance rates mean for your monthly budget: extra financial wiggle room, or more equity. Start a refinance quote

  • Evaluate Your Property

    Know where you stand. With a property evaluation in hand you understand your options and can feel confident about your next step. Get your home value

  • Rate Comparisons

    Don’t just take the first offer; shop around to find the plan that fits your homeownership strategy. Compare in the calculator

  • Cash-Out Refinance

    Take advantage of your home’s equity with a cash-out refinance. Replace your old mortgage with a new one and get some cash back. Start a cash-out quote

Not sure where you fit?

Our Free Tools

Straight answers

on mortgages, home buying and refinancing, from the people who do it every day.

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What our clients say

First-time buyers, refinances, and people who shopped around first.

  • I am incredibly impressed with Justin and everyone at CPF Mortgage. This was my first time buying a house and I was terrified. Justin and his team were there every step of the way to answer any and all questions I had and in a very timely manner. Mindy Dixon First time buying a house

  • The team at CPF were all knowledgeable and immediately responsive from the beginning of my loan application process through closing. I shopped around for interest rates and closing costs with other lenders (including my federal credit union) and there was no close comparison to the quality of service I experienced with CPF. Jillian Stuper Shopped around first

  • I cannot say enough incredible things about CPF Mortgage. The day I gave up on trying to purchase a home was the day they called me. I actually tried to cut off the conversation because I felt so disappointed. They asked me to listen and I am so glad I did. They were able to complete the underwriting process in a matter of days. Katie Seeley Had given up on buying

  • When our daily bank let us down with their ridiculous TO DO list in order to obtain a mortgage, CPF came to the rescue! Their on-line application was a breeze and CPF found us a mortgage lender with a competitive interest rate PLUS super fast service. Anna Oles Came from a bank

  • We recently refinanced our house to get a lower interest rate and I can’t say enough good things about CPF mortgage and the entire process. It has been so smooth and stress free. Haley Klemczak Refinance

  • I am a listing agent in Tampa, Fl and I have never had so much open communication with a lender in my life. These guys are awesome! Nick Fitz Listing agent, Tampa

650+ Google reviews

Talk to someone who can actually answer.

No call centre, no script. Loan officers licensed in Florida, Georgia, Tennessee and Colorado.

Hi, I'm Justin. Tell me what you're after and I'll get this to the right person on my team.

Justin Kelly, drawn as a comic-book hero, waving hello

Justin Kelly CEO · NMLS #333028

No credit impact.

Prefer to talk with us?

(727) 226-1040 (303) 645-4615 (470) 682-4763 (865) 263-3724

Rings the office nearest you. Or send us a message.

Get my free quote