When you apply for a home loan with us, you can expect an answer within hours. Once a loan has been submitted, we clear conditions quickly and usually immediately when reviewed by an underwriter. Get a quote from us today and we will inform you of what turnaround time we can provide for your loan.
Fast Close Mortgage
Enjoy one of the fastest mortgage processing times available.
We close home loans fast. Learn about your options or get pre-approved now.
We’ve built our company around closing mortgage loans quickly. Our core strength is efficiency and the highest quality level of customer service. Many of our home loans close in as little as 7 days.
FHA Loans
FHA loans are the perfect option for anyone who wants to close as quickly as possible.
USDA Loans
Do you need a USDA loan in a hurry? We provide fast closing USDA mortgage loans.
VA Loans
We offer VA loans with simple qualification guidelines and quick processing.
Conventional Loans
We offer competitive conventional loans with fast processing.
Step 1: Apply for Loan Approval
We have simplified the home loan application process and make it easy to apply for a home loan. All you have to do is submit a request and the total process takes about 15 minutes. Once you have applied, you can expect a response back within hours.
Would you prefer to apply by phone? We recommend submitting an online request so that you are routed to the correct branch for your location. If you would like to call, you may do so at 1-800-FAST-CLOSE.
Step 2: Submit Loan Conditions / Requirements
If your mortgage loan application is approved, you will receive an approval that outlines the conditional requirements that must be satisfied for your loan to close. This usually consists of income documentation, tax returns, an appraisal, and depending on your application, there may be other requirements.
Send us in the required documentation as fast as you are able to and your loan underwriter will review them immediately. Assuming what is sent is satisfactory, your loan conditions will be cleared.
3.) Fast and Simple Closing
Immediately once all of your loan conditions have been reviewed and approved, we can schedule a closing. If you are in a hurry to close as quickly as you can, we can plan accordingly and have the title company on notice to prepare your loan documents right away once you are “clear to close”.
Frequently Asked Questions About Fast Closing Mortgages
Get quick answers about our 7-day mortgage closing process, loan options, rates, and what to expect when you apply with Fast Close Mortgage.
How fast can you really close a mortgage loan?
Many of our home loans close in as little as 7 days from a clean approved application. The exact timeline depends on the loan type, appraisal turnaround, and how quickly you submit required documentation. We work with appraisers and title companies who prioritize our closings so we can move faster than typical lenders.
What loan programs do you offer?
Fast Close Mortgage offers FHA, VA, USDA, and Conventional loans for both purchases and refinances. Each program has different qualification guidelines, and our team will help you pick the best option for your situation during the application process.
Do you lend in all 50 states?
Yes. We are a licensed mortgage lender offering home loans nationwide. Whether you are buying or refinancing in California, Texas, Florida, New York, or anywhere else in the U.S., our online application routes you to a licensed loan officer for your state.
How do I apply for a mortgage with Fast Close Mortgage?
You can apply online in about 15 minutes using our secure application, or call us at 1-800-FAST-CLOSE. Once you submit your application, you will typically receive a response within hours with your pre-approval and next steps.
What documents will I need to provide?
After approval you will usually need to provide recent pay stubs, W-2s or tax returns, bank statements, and an appraisal. Our team will give you a personalized document checklist so you know exactly what to send and we can clear conditions as quickly as possible.
Can I get a cash-out refinance quickly?
Yes. Our fast cash-out refinance program is designed for homeowners who want to tap their home equity without a long wait. Timelines are similar to a standard refinance and many close in 2 to 4 weeks depending on the property and appraisal.
What credit score do I need to qualify?
Credit requirements vary by loan program. FHA loans typically allow scores from 580, VA loans are flexible and based on military service, USDA loans are income- and location-based, and Conventional loans generally start around 620. We will review your full profile, not just your score, to find the best fit.
Trusted Nationwide Mortgage Lender
Close in 7 Days
Our streamlined process and dedicated underwriters let many loans close in as little as 7 days from a clean approval.
Nationwide Mortgage Lender
We originate home loans across the United States. Our team helps borrowers in all 50 states with purchase and refinance programs.
Clear & Transparent Pricing
No hidden fees. Clear loan estimates. A dedicated loan officer guides you from application to close.
Fast Close Mortgage is an Equal Housing Lender. We help homeowners and home buyers across the United States find the right mortgage for their needs. Not all applicants will qualify. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval and property appraisal. This is not a commitment to lend. Borrower is responsible for all closing costs and fees as outlined in the loan estimate.
Fast Close Mortgage — a state-licensed mortgage company. Contact us at +1 (844) 823-5626 or visit our contact page for state licensing information.