Shop Our Network of Wholesale Lenders.
Turn Times is a licensed mortgage broker (NMLS #2099552) that shops 120+ wholesale lenders for purchase, refinance, HELOC and Non-QM options in CA and CO.
More rates. More products. More options.
Turn Times is a licensed mortgage broker in California and Colorado. We compare loan options from 120+ participating wholesale lenders, and the lender you choose issues the approval and the loan.
Loan options
How it works
- Answer eight general questions.
- Compare program types.
- A licensed loan officer prices your scenario with participating lenders.
- The lender issues a Loan Estimate.
Typical closing targets are 21–30 days for purchase and 30–45 days for refinance; timelines vary.
Broker versus lender
Turn Times is a broker, not a lender. We can help compare options; the lender selected by the borrower underwrites, approves, locks and funds the loan.
Where we are licensed
Frequently asked questions
Is Turn Times a lender?
No. Turn Times (Just Homes Inc.) is a licensed mortgage broker, NMLS #2099552. We compare loan options from a network of 120+ participating wholesale lenders. The lender you choose underwrites, approves and funds the loan.
Does Turn Times charge fees?
Yes. Turn Times may charge an origination fee. Depending on the loan, compensation is paid by the borrower or by the lender, and all fees are disclosed on your Loan Estimate.
Where is Turn Times licensed?
California (DFPI California Financing Law License #60DBO-181268) and Colorado (Mortgage Company Registration #2099552). You can verify both at NMLS Consumer Access.
How long does closing take?
Typical targets are 21–30 days for a purchase and 30–45 days for a refinance. Actual timelines depend on the lender, property, appraisal and underwriting.
Does answering the questions check my credit?
No. Choosing ranges in the questionnaire does not pull credit. A credit check happens only if you authorize one later with a loan officer.