With the advent of credit scoring, and computer and communications technology, automated analysis of loans is becoming more commonplace. If your loan fits within all the guidelines (plain vanilla with no toppings), your loan can likely be approved within an hour, subject to verifying the information you provided. The speed can obviously be an advantage in certain situations, and the documentation involved is often less than with the conventional underwriting. Please let us know if you would like us to run you through the automated system (conforming loans only for now). If you are not eligible for the streamlined system, we can still run you through regular underwriting - not being eligible for the system is not in any way a reflection of your credit-worthiness.