How long does it take to close on a mortgage?
Timelines vary, but most of my loans close in about 20 days.
Home / Loan Process
The loan process, step by step
No surprises, no guesswork. Here's what happens from the first conversation to the closing table, and what I'm doing at each step.
A conversation
We talk for about 20 minutes by phone or video about your goals, timeline, and questions. No credit check and no cost.
Pre-approval
When you're ready, I review your credit, income, and assets with your permission, so you can shop with confidence.
Options compared
I compare programs across multiple lenders and explain the tradeoffs in plain English. You choose what fits.
Application and Loan Estimate
Once you have a property, we complete your application and you receive your Loan Estimate. I walk through it with you.
Processing and underwriting
The appraisal, title work, and underwriting happen here. I track every item and let you and your agent know where things stand.
Closing Disclosure
You'll receive your Closing Disclosure at least three business days before closing. We review it together, line by line.
Closing day
You sign with confidence, knowing exactly what's in the documents. Most of my loans close in about 20 days from application.
Keep things moving
- Send requested documents quickly
- Avoid new credit or large purchases
- Keep your income and job steady
- Confirm wiring instructions by phone
Timelines vary by loan program, property, and borrower. This is not a commitment to lend.
Related answers
What should I review before I sign at closing?
Your Closing Disclosure. Read it closely, and ask questions.
What's the difference between pre-qualified and pre-approved?
A pre-approval is reviewed more closely, and sellers take it more seriously.
Ready when you are.
It starts with a conversation, not an application. No credit check, no cost, no pressure.
Or call or text 470-770-1394