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Get your key

           21 DAYS           OR LESS PROGRAM

Get approved with our Keys on TimeTM Program before you shop for home & submit your offer. We'll provide an on-time closing commitment to help you write a stronger offer and stand out in a competitive market. 

Testimonials

Realtor

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Working with Andee is working with a teammate. She communicates clearly, looks at the scenario from all angles, and keeps the borrower's/buyers best interest at heart.  As an agent, I feel at ease knowing Andee is handling the loan. 

Julie Bwarie 

Keller Williams/ Richard Schulman Team

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I have been working with Andee for over 5 years now and she is the most hardworking and quick lender that I know...We have closed transactions ...several times in under 21 days. I know this wouldn't be possible if Andee and her team were not there pushing to make things happen. Not to mention the experience level as well!! She is the total package!!  I am forever grateful for our business relationship and so are my clients.

Venus Martinez

REDFIN Senior Agent

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Well, I just closed another escrow with Andee in less than 21 days. Whether it is fast closings, creative loan structures or working through challenging credit files, Andee is the best. There's a difference in loan officers and a reason I've worked with Andee for over 10 years.

Ellis P.

Real Estate Broker

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Our team started working with Andee about 6 years ago. We had a great experience with her in an escrow in which we represented the seller and she's been one of our preferred lenders ever since. The level of commitment, communication and delivery are outstanding. We've done hundreds of transactions over the years and she's been able to close each transaction as promised and on time. We've done multiple short-period transactions as well and Andee has had the ability to close within 15 days which helped our buyers get their dream home in this competitive market.

 Mona M. Keller

Williams // Richard Schulman Team

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If you’re looking to close escrow in 21 days or any escrow at all then Andee Montemorano is the loan officer for you. As a realtor, I have many options on whom I can partner with in the lending industry but for over 10 years I've gone back to Andee time and time again. I highly recommend her and her team! 

Rose Amadeus

Berkshire Hathaway Home Services/California

Closings in 21 days or Less Program

This is something we've worked to perfect and continued to refine. We established most of our notoriety utilizing a quick closing to remain competitive throughout competitive markets. Taking a slight pause on this program, we ran a few trial runs in the 4th Quarter of 2020 and now fully back providing an aggressive format for qualified borrowers. Please see below to read Realtor Testimonials we’ve received from this specific program and check out our Key on Time Guarantee!

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WE LOVE TO HEAR YOUR
FEEDBACK AS WELL

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Keys on Time

Terms & Conditions

have 2000 Reasons to Be on Time

We

Go ahead and pack the truck – we won’t leave you hanging.

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Connect

Speak to an advisor, apply & receive your conditional loan approval before you shop for a home.

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Complete

You do your part, and we’ll do ours. Your timely responses are needed to close on time.

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Celebrate

We’ll meet your closing date, or you or your seller get paid. So go ahead and start packing!

Terms and Conditions

  • Keys on Time program is not available in Oregon

  • Your mortgage must be a purchase transaction

  • Initial documentation requested must be received by APM or one of its dba branches, within FIVE BUSINESS DAYS

  • All additional documentation requests must be received by APM or one of its dba branches within TWO BUSINESS DAYS

  • To be eligible for the full program, offering a $2000 commitment, you must apply for loan prior to making an offer. If application is not approved prior to offer accepted, borrower is only eligible for the Lite version, offering a $1000 commitment.

  • You must provide a copy of your purchase contract and your closing date must be scheduled no sooner than 28 CALENDAR DAYS from the receipt of executed Intent to Proceed

    • Except for  30 CALENDAR DAYS required for VA loans

  • You may not request loan term changes, e.g. changes in loan program, term of loan, or down payment amount within TEN BUSINESS DAYS from the scheduled closing date

  • You must lock your loan rate and satisfy all loan requirements and conditions, at least SEVEN BUSINESS DAYS prior to your closing date

  • The final appraisal and/or completion certificate, with all revisions, must be received FIVE BUSINESS DAYS prior to the closing date

  • Loans with subordinate financing must have secondary loan approval 5 BUSINESS DAYS prior to closing

  • The loan must close and fund with APM or one of its dba branches in order for any commitment fee to be paid out.

    • 30 CALENDAR DAYS required for VA

  • You may not request loan term changes, e.g. changes in loan program, term of loan, or down payment amount within TEN BUSINESS DAYS from the scheduled closing date, or the commitment will be forfeited

  • You must lock your loan rate and satisfy all loan requirements and conditions, at least SEVEN BUSINESS DAYS prior to your closing date

  • The final appraisal and/or completion certificate, with all revisions, must be received FIVE BUSINESS DAYS prior to the closing date

  • Loans with subordinate financing must have secondary loan approval 5 BUSINESS DAYS prior to closing

  • The loan must close and fund with APM or one of its dba branches in order for any commitment fee to be paid out.

The Keys-on-Time Commitment is void if:

  • The closing date is missed due to delays attributable to the borrower(s) outlined in terms, a third party, or the seller

  • Information provided by the borrower(s) on the application could not be verified or was inaccurate

  • The loan is $2,000,000 or greater

  • The loan, as structured, does not meet federal/state regulatory requirements and/or agency guidelines

  • The closing date is missed due to acts of God outside the control of APM, including inclement weather, natural disaster, catastrophic event, an act of terrorism, or other public emergencies

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