Loan Set Up: 1 day Purchase, Initial UW: 1 day Purchase Conditions: 1 – 2 days Refinance initial UW: 2 – 3 days Refinance Conditions: 2 – 3 days Jumbo Key (Fixed), Initial UW: 2 – 3 days Jumbo Key (Fixed), Conditions: 6 – 7 days Jumbo Express (ARM), Initial UW: 2 – 3 days Jumbo Express (ARM), Conditions: 2 – 3 days