09/01/2026
Sometimes you get two weeks. 😅
This client had chosen to get her mortgage through her local bank, where she had been a long-standing customer. With closing only two weeks away, her family and friends started telling her the rate she'd been offered seemed high.
And, well... they were right. Mid-5%. 😬
She called me on August 18th and I basically told her, “If we're going to do this, we need to move FAST. You're going to get bombarded with questions and document requests, but I think it'll pay off in the long run.” She said, “Let's do it.”
Just over 24 hours later, I had everything I needed, her mortgage was approved, and we'd reviewed a product that not only saved her more than $11,800 over the next five years, but better suited both her budget and how she wanted to repay her mortgage.
By the next morning, my end was done.
Exactly two weeks after that first phone call, she's closing today. 🏡
But here's the thing: files like this don't happen because of one person.
They happen because a client says “let's do it” and then actually does it 😂 - answering my endless questions, finding documents, signing things and getting me what I need FAST.
They happen because you have a kick-ass lawyer like Derek Bondt at Key Murray Law who understands that nobody has time to mess around.
They happen because there's a fulfillment specialist and an assistant working behind the scenes to keep everything organized, compliant and moving.
And they DEFINITELY happen because you have a lender partner like MCAP willing to work with you when the clock is ticking ... especially my underwriter Ian, my BDM Nancy, and former BDM Phil (still dead to me). 😂
Fourteen days isn't a timeline I'd recommend making a habit of. But sometimes there's a very good reason to take one last look at your mortgage before you sign on the dotted line.
In this case?
14 days. A mortgage that actually fits her goals. And $11,000+ staying in my client's pocket over the next five years. I'd call that worth the scramble.
