TrueNorth publishes its rate assumptions, answers the phone on Sundays during season, and closes purchases in 21 days — with a real loan officer who knows your file by name.
Conventional, FHA, VA, and jumbo — pre-approvals that mean something, because we underwrite to the file before you shop.
Rate-and-term and cash-out refinances with the break-even math shown, honestly — including when it's not worth it.
Down payment assistance, state bond programs, and the patient explanations that make a first offer letter possible.
Full underwrite before you tour — your offer carries the weight of cash.
Rate locks with a one-time float-down if rates drop before closing.
Most files clear a week before the deadline. Silence is not our style.
Numbers you saw weeks ago, at a table with no surprises.
Our rate table shows the actual numbers with the points, the APR, and the assumptions behind them. If a competitor shows you a lower number, we'll happily show you what's hiding underneath it.
No application fees, no rate-lock games, and no 'junk fees' at closing — our Loan Estimates match our Closing Disclosures to the dollar. That's not a slogan; it's our audit.
“Our pre-approval letter beat two other offers on a Sunday-noon deadline — because a real underwriter had already stamped our file. That letter felt like a superpower.”
Sana & Omar Faruqi · First-time buyers“They showed me the break-even math and told me a cash-out refi was the wrong move for my situation. Saved me thousands by talking me out of a loan. Who does that?”
Greg Lindholm · Refinance“The VA loan process has a reputation for being slow. TrueNorth closed ours in 19 days and the seller's agent called our loan officer to ask how.”
The Beauchamps · VA purchaseMost pre-approvals complete in 2–3 days, and because we underwrite to your actual file, sellers treat it like proof, not a form letter.
Published daily on our rate table with every assumption shown. A rate is only meaningful with its credit score, down payment, and points context — we show all three.
No. Our Loan Estimate is audited against the Closing Disclosure on every file, and a third-party auditor reviews a random sample monthly. The delta, historically: zero.
Both, plus USDA and jumbo. VA loans are a specialty — about a third of our purchase volume — and our closing timelines reflect it.
Underwritten in days, printed with no asterisks buried in the footer.
Weekend availability in buying season — because offers don't wait for Monday.
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