Scenario to closing, step by step.
We coordinate between you and the lending partner so the next step is always clear. An inquiry is not an application or a commitment to lend.
Five steps.
Share the deal
Send a short inquiry: property, purchase price, budget, timeline and exit plan. No SSN and no credit check to inquire.
Match
A loan specialist reviews the scenario and identifies approved lending partners and programs that may fit.
Conditional terms
The lending partner may issue indicative terms. They are conditional and subject to underwriting, valuation and documents.
Underwriting
The lender reviews the property, budget, experience, credit and documents. Appraisal and title are ordered.
Close and fund
Once approved, we help coordinate documents, appraisal and title through closing. Draws follow the lender’s process.
What a loan brokerage does.
The True Vine Co. is a loan brokerage, not a direct lender. We don’t make credit decisions — approved third-party lending partners do.
- We learn your project and goals
- We match the deal to lending partners and programs that may fit
- We help package the request so it arrives complete
- We stay your point of contact through closing
How fast can it close?
Timing depends on the deal’s complexity, the lending partner and how quickly documents, appraisal and title come together.
Before you inquire.
Does an inquiry affect my credit?
Submitting an inquiry on this site does not run a credit check. A lending partner may pull credit later in underwriting, with your authorization.
Is an inquiry an application?
No. An inquiry starts a conversation. It is not a loan application, approval or commitment to lend.
Which states do you work in?
Middle Tennessee is our home market, and we work in other eligible U.S. markets through approved lending partners.
What should I not send?
Please don’t send SSNs, bank statements or ID documents by email or through the inquiry form. We’ll share a secure upload link when needed.
