Is Treadstone Funding Open on Juneteenth?

Yes, Treadstone Funding is open on Juneteenth, June 19, 2026.

If you have the day off and want to make progress on your home buying goals, we are here to help. Our office locations in Grand Rapids, Kalamazoo, Grand Haven, and Traverse City are fully open from 8:00 a.m. to 5:00 p.m.

While many other banks and credit unions close their doors, we know the Michigan real estate market moves quickly. We want to ensure your loan keeps moving, so here is exactly what you can expect when utilizing our mortgage services on Juneteenth.

 

Why Mortgage Holiday Hours Can Be Confusing

A home loan actually relies 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.

These calendars do not always match up. Juneteenth is a federal holiday, which means the federal banks and bond markets are closed.

However, our offices remain open. This means “is my lender open?” is a different question than “can my loan close today?”

 

What You Can Do on Juneteenth

Since our offices are open, Juneteenth is a fantastic day to focus on your financial goals. Without the rush of a normal workday, you can:

• Get pre-approved: Start your application online or call your Loan Officer. We can review your income, assets, and credit to help you find the right budget.
• Talk strategy: Have questions about the difference between a Conventional Loan and an FHA Loan? We can break down the details in plain English to help you choose the right tool for your specific situation.
• Prepare documents: You can securely upload your W-2s, pay stubs, and bank statements to our portal to keep your current loan file moving forward.
• Tour homes: With extra free time, you can shop for houses with your real estate agent and run specific affordability scenarios with our team.

 

What Has to Wait Until the Next Business Day

Because the federal reserve and bond markets observe the holiday, a few specific tasks must wait until normal trading resumes:

• You cannot lock a rate: The bond market must be open to secure or change your interest rate.
• You cannot fund a closing: Federal wires do not move on Juneteenth, meaning a closing cannot officially fund until the banks reopen.
• You cannot pull certain third-party verifications: Services like IRS tax transcripts are paused for the federal holiday.

 

Planning Around the Holiday

If you are hoping to buy a home or close on a loan near mid-June, a little planning prevents a lot of stress. Wire cutoffs, title company calendars, and rate lock windows tighten around federal holidays. A quick conversation with your Loan Officer will ensure your timeline works seamlessly with the banking calendar.

Ready to map out your home buying strategy? Give us a call. We are here to help you take a clear, confident step toward owning your dream home.

 

FAQs About Treadstone’s Holiday Hours

Is Treadstone Funding open on Juneteenth?

Yes, our offices in Grand Rapids, Kalamazoo, Grand Haven, and Traverse City are open on June 19 from 8:00 a.m. to 5:00 p.m.

What mortgage services are available on Juneteenth?

You can get pre-approved, speak with a Loan Officer about your options, prepare or upload documents, and discuss your home buying strategy. Closings and rate locks are not available due to federal market closures.

Can I lock a mortgage rate or close my loan on Juneteenth?

No, rate locks and closings are not possible on Juneteenth because the bond market and federal banking system are closed.

Will my Loan Officer be available if I have questions or need to move a file forward?

Yes, our team is fully staffed and available during business hours to answer questions, run scenarios, and keep your file progressing.

What should I do if my closing or lock date is near Juneteenth?

Plan ahead by talking with your Loan Officer early. We’ll help you work around holiday market closures to avoid delays in your homebuying process.