Tranquil Mortgage & Realty is an Equal Housing Lender. Company NMLS #1996893. Individual NMLS (Mariah Junkin) #1114905. DRE #01941796. All loans are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states. We are committed to fair lending practices and complete transparency throughout your financing journey.
No, our initial consultation and rate quote use a soft credit pull, which does not affect your credit score in any way. We only proceed with a hard inquiry when you are ready to formally apply.
On average, a clear-to-close takes 21 to 30 days from the time your application is submitted with all required documentation. We prioritize efficient underwriting to keep your timeline on track.
Rates fluctuate daily with the market. However, once you choose a loan product and we lock your rate, it is guaranteed for the lock period, which is typically 30 to 60 days.
We believe in complete transparency. Your Loan Estimate will clearly outline all third-party fees, such as appraisal and title costs. We do not charge hidden application or processing fees.
Tranquil Mortgage & Realty is a fully licensed brokerage. Company NMLS #1996893. Individual NMLS (Mariah Junkin) #1114905. DRE #01941796. We strictly adhere to the Equal Credit Opportunity Act, the Real Estate Settlement Procedures Act, and all relevant state and federal lending regulations.