California
High-cost county overlays. Conforming limits up to $1,209,750 in the largest metros.
Nationwide Mortgage Lender
Home Loans That Close in as Few as 7 Days
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.
- ✓ 7-day closings
- ✓ All 50 states
- ✓ 24-hour pre-approval
- ✓ No obligation
7–21 days
contract to close, industry average is 30–45
7daysfastest closings, contract to keys
50stateslicensed to lend nationwide
24hourstypical pre-approval turnaround
15minonline application, start to finish
Loan Programs
Every program below closes fast. Pick the one that fits — or apply and we’ll match you.
FHA Loans
The perfect option for anyone who wants to close as quickly as possible.
3.5% down · 580+ credit
VA Loans
Simple qualification guidelines and quick processing.
0% down · for veterans
USDA Loans
Need a USDA loan in a hurry? We provide fast closing USDA mortgage loans.
100% financing · rural
Conventional Loans
Competitive conventional loans with fast processing.
Best pricing at 740+Cash-Out Refinance
Turn your home equity into cash — fast, with clear pricing.
Up to 80% of valueState Loan Programs
We lend in all 50 states with state-specific loan limits, county overlays, and local underwriting. Pick your state to see programs, rates, and closing timelines.
Texas
No state income tax. Highest VA loan volume of any state. Property taxes run high.
Florida
Hurricane-mitigation appraisal requirements may add 3–5 days; coastal condo rules.
New York
Co-op buildings require VA co-op approval. Non-QM options for self-employed borrowers.
Pennsylvania
Standard conforming loan limits. Transfer tax applies in most counties.
Illinois
Cook County high-cost overlay. Standard FHA/USDA/VA conforming elsewhere.
Ohio
Standard conforming loan limits. FHA Streamline available. USDA strong in rural counties.
Georgia
Standard conforming loan limits. USDA strong outside Atlanta metro.
North Carolina
Standard conforming loan limits. Strong VA presence near major military bases.
Michigan
Standard conforming loan limits. USDA strong in rural counties; FHA Streamline available.
Three Steps to Keys in Hand
We have simplified the home loan application process — here’s the whole path.
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Apply for Loan Approval
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.
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.
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Submit Loan Conditions
If your application is approved, you’ll receive an approval that outlines the conditional requirements: income documentation, tax returns, an appraisal, and depending on your application, there may be other requirements.
Send the required documentation as fast as you are able and your underwriter will review immediately. Assuming what is sent is satisfactory, your loan conditions will be cleared.
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Fast and Simple Closing
Once all your loan conditions have been reviewed and approved, we schedule a closing. If you are in a hurry, we plan accordingly and have the title company on notice to prepare your loan documents right away once you are “clear to close”.
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.
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 approval. Our average is 7–21 days from contract to close, versus the industry average of 30–45 days. The biggest variable is the appraisal — we order immediately and work with appraisers who can move fast.
What loan programs do you offer?
FHA, VA, USDA, and Conventional loans, plus Cash-Out Refinance and HELOC options. Through our Exponent Mortgage brand we also offer non-QM, jumbo, DSCR, and bank-statement loans for self-employed borrowers.
Do you lend in all 50 states?
Yes. We originate home loans across the United States and help borrowers in all 50 states with purchase and refinance programs.
How do I apply for a mortgage with Fast Close Mortgage?
Submit an online request — the application takes about 15 minutes and you can expect a response back within hours. Prefer the phone? Call 1-800-FAST-CLOSE, though we recommend the online request so you’re routed to the correct branch for your location.
What documents will I need to provide?
Typically: income documentation such as pay stubs, tax returns, bank statements, and identification. Depending on your application there may be other requirements — your approval letter will list every condition. An appraisal is ordered as part of the process.
Can I get a cash-out refinance quickly?
Yes. Cash-out refinances are among our fastest closings — typically 14–30 days. When appraisal waivers are available on your loan, it can be even faster. You can generally access up to 80% of your home’s value.
What credit score do I need to qualify?
FHA loans start at 580 for 3.5% down (500–579 with 10% down). Most programs require 620+, and the best pricing is typically at 740+. Not sure where you stand? Apply online — checking your options doesn’t commit you, and pre-approval doesn’t require a hard credit pull.
Ready to close in days, not months?
Apply online in about 15 minutes. Most pre-approvals come back within 24 hours, and we close in as few as 7 days.