Aurora Financial is a Direct Lender . We offer: $1,000 On-Time Closing Guarantee! 7 Day Express Close In-House Processing In-House Underwriting In-House Closing Average time to close in under 14 days! A+ Better Business Bureau rating. Our Mortgage Bankers do NOT work on Commission! Key Services: $1,000 On-Time Closing Guarantee. 7 Day Express Close. Free Float Downs.