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7-Day CTC That Turned a Stalled Deal Into a Win
April 9, 2026
| Client: Stephen Dias | Broker: Tidal Mortgage powered by Coast2Coast Mortgage | ||||
| 7 daysClear to close | 0Appraisal delays | 100%On-time closing | |||
| Clear to close | Appraisal delays | On-time closing | |||
The Challenge
A Deal Stuck at the Finish Line with No Time Left
The deal was nearing its closing date, but the loan was nowhere near ready.
After a long and frustrating process with another lender, the file had stalled out just before the finish line. Misaligned expectations around rates and fees, combined with constant delays, left the borrower uncertain and running out of time. With no clear path forward, the entire transaction was now at risk.
Stephen needed a lender who could:
Salvage a deal that had already been delayed for weeks
The file had lost momentum and was at risk of falling apart entirely.
Help rebuild trust with a borrower who had been burned
After broken promises, confidence in the process was low.
Move fast enough to meet a near-term closing date
There was no cushion left. Timing had to be exact.
The Solution
Stepping In with Speed and Certainty
Stephen reached out to Lendz Account Executive Mike Boghos, someone he had connected with before but hadn’t yet worked with on a deal.
From the first conversation, Mike moved quickly and gave a clear answer. The file could be handled and closed within the required timeframe.
The transferred appraisal was accepted, which kept the process moving and avoided any additional delays on a large loan amount. With everything aligned, Stephen had a real path forward to deliver for his client.
The Result
A Fast Close That Opened the Door to More Business
Once the file was in motion, execution stayed tight from start to finish:
CTC delivered in 7 days
The loan cleared quickly and closed ahead of schedule, landing before the end of the month.
A borrower who became a repeat referral source
After the experience, the client sent multiple new opportunities and introduced Stephen to more investors.
A first deal that turned into a long-term partnership
What started as a single file quickly became a steady flow of new non-QM business.
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