Frequently Asked Questions

Most personal and auto loans receive a decision within 24 hours of submitting a complete application. Mortgage and business loans typically take 5–10 business days due to appraisal and underwriting requirements. Same-day decisions are common for personal loans under $50,000 submitted before 11 AM ET.

It depends on the product. Personal loans typically require a 620+ FICO, conventional mortgages 680+, FHA mortgages 580+, and SBA business loans 680+. That said — we work with 40+ lenders and frequently secure approvals for clients below these thresholds through specialized programs. Apply and let us find your best match.

No. We disclose every fee — origination, application, appraisal, closing — before you sign, in writing. None of our recommended lenders charge prepayment penalties on personal, auto, or student loans. Some mortgage products may have prepayment terms for the first 36 months; your advisor will flag these clearly.

All 50 states plus the District of Columbia. We hold the necessary lending, insurance, and investment advisory licenses in every jurisdiction — so you keep the same advisor whether you're in Oregon, Florida, or anywhere in between. If you move states, we move with you.

Yes. The full application, document upload, e-signature, and funding happen through our secure online portal — no branch visits, no printing, no faxing. You can also request a phone or video consultation at any stage if you prefer to talk through the details with your advisor.

Loans: home, education, business, auto, personal, and mortgage. Insurance: auto, health, home, life, travel, mortgage, burial, pet, and business. Investment management, stock investing, gold, and mutual funds round out the offering. Plus wealth management, retirement planning, credit repair, debt relief, tax & estate planning, auto warranty, and digital payments — everything under one roof.

You start with a 30-minute goals and risk-tolerance conversation with your dedicated advisor. We then build a globally diversified portfolio of low-cost ETFs and mutual funds aligned to your situation. Portfolios are rebalanced quarterly and tax-loss harvested as opportunities arise. Annual advisory fee is 0.65% of assets under management — well below the 1.0–1.5% industry average.

Absolutely. We use 256-bit AES encryption for data at rest and in transit, SOC-2 Type II certified infrastructure, read-only bank connections via Plaid, and biometric login on mobile. We never sell your data to third parties — ever. You can request deletion of your data at any time, in accordance with CCPA and state privacy laws.