Is Treadstone Funding Open on the Fourth of July?

Treadstone Funding is closed on Friday, July 3 and Saturday, July 4, 2026.

Go enjoy the long weekend. Our offices in Grand Rapids, Lansing, Traverse City, Marshall, and East Lansing will be closed both days. We’ll be back to full speed on Monday, July 6.

Because July 4 falls on a Saturday this year, the federal government observes the holiday on Friday, July 3 — which means banks, bond markets, and our offices are all closed. If you have a closing or a rate lock expiring near the holiday, a little heads-up now goes a long way. Here’s everything you need to know.

 

Why This Holiday Weekend Is Longer Than It Looks

A home loan runs on three separate calendars:

• Our office calendar: When our local staff is available to help you.
• The federal banking calendar: When wire transfers can move and closings can officially fund.
• The bond market calendar: When interest rates are actively trading, allowing you to lock or change an interest rate.

When July 4 lands on a Saturday, the federal observed holiday shifts to Friday, July 3. That means all three calendars are paused from Thursday evening through the weekend. For anyone with a closing or a rate lock expiration near this window, the effective gap is Thursday’s close of business to Monday morning, July 6. That’s nearly four full days where nothing moves.

If your timeline touches that window, now is the time to get ahead of it.

 

What You Can Do Over the Holiday Weekend

Even with offices and markets closed, the weekend is a great opportunity to make progress on your own terms:

• Start or continue your online application: Our application portal is available around the clock. If you’ve been meaning to get started, the Fourth of July weekend is a great time to work through it at your own pace.
• Gather and upload documents: Collect your W-2s, pay stubs, bank statements, and tax returns and upload them securely to your loan portal. The more your file is ready to go, the faster we can move on Monday.
• Research loan programs: Use the long weekend to compare your options — Conventional, FHA, USDA, VA — so you come to your next conversation with a Loan Officer knowing what questions to ask.
• Tour homes: Real estate doesn’t stop for the holiday. If you’re actively house hunting, keep going. Just keep the four-day funding gap in mind when discussing offer timelines with your agent.
• Run payment scenarios: Use our online calculators to explore what different purchase prices, down payments, and loan types look like as a monthly payment.

 

What Has to Wait Until Monday, July 6

With our offices and the federal markets both closed Friday and Saturday, these tasks must wait until Monday:

• You cannot speak with a Loan Officer: Our team is off both days. If you have something urgent, reach out before end of day Thursday, July 2.
• You cannot lock a rate: The bond market must be open to secure or change your interest rate. Rate locks resume Monday morning.
• You cannot fund a closing: Federal wire transfers do not move on the observed holiday, so closings cannot officially fund until banks reopen July 6.
• You cannot pull certain third-party verifications: Services like IRS tax transcripts are paused during federal holidays.

 

Planning Around the Fourth of July Weekend

The most important thing you can do right now is get ahead of the gap. If your closing date or rate lock expiration falls anywhere between July 3 and July 7, talk to your Loan Officer before Thursday, July 2. Wire cutoffs, title company schedules, and lock windows all tighten around federal holidays — especially when the weekend extends the pause to four days.

A quick conversation now can mean the difference between a smooth closing and an unexpected scramble. We’re here through end of day Thursday to help you plan it out.

 

FAQs About Treadstone’s Fourth of July Hours

Is Treadstone Funding open on the Fourth of July?

No. Our offices in Grand Rapids, Lansing, Traverse City, Marshall, and East Lansing are closed on Friday, July 3 and Saturday, July 4, 2026. We reopen on Monday, July 6.

Why is July 3 a holiday if the Fourth of July is on Saturday?

When a federal holiday falls on a Saturday, the government typically observes it on the preceding Friday. That means July 3, 2026 is the official observed holiday — and federal banks and bond markets are closed that day.

What mortgage services are available over the Fourth of July weekend?

You can start or continue an online application, upload documents to your loan portal, and use our online calculators. Loan Officers, rate locks, closings, and federal verifications are not available until Monday, July 6.

Can I lock a mortgage rate or close my loan over the Fourth of July weekend?

No. The bond market and federal banking system are both closed on Friday, July 3. Rate locks and closings resume on Monday, July 6.

My closing or rate lock is near the Fourth of July — what should I do?

Contact your Loan Officer before end of day Thursday, July 2. Because this year’s holiday creates a four-day gap in federal activity, it’s especially important to plan ahead. We’ll help you map out a timeline that keeps everything on track.

When does Treadstone reopen after the Fourth of July?

We’re back to normal business hours on Monday, July 6, 2026. Our team will be fully staffed and ready to move your file forward.