This interactive guide is for educational purposes and reflects typical timelines and processes. Your actual experience may vary based on loan type, property type, market conditions, and individual circumstances. Business-purpose and non-owner-occupied investment loans may be exempt from certain federal disclosure requirements; confirm what applies to your specific transaction. Daryn Fillis NMLS #1988371. Branch NMLS #2733710. NEO Home Loans powered by Better Mortgage Corporation. Equal Housing Opportunity.