Fast Closing Mortgage

The total amount of time it takes to close on a house depends on everyone involved in the home purchase process.  This will mostly will boil down to yourself (and any co-applicants for the home loan), your real estate agent (if you choose to hire one, which we recommend you do), and finally us the mortgage lender.  There are other parties involved, such as the appraiser, but the parties involved predominately consist of you, your agent, and us.

So Exactly How Fast Can You Close on a Home?

Assuming everyone is on the same page and agrees to not cause any delays, you should be able to accomplish a 2 week mortgage close.  The first step is to apply and get a mortgage approval.  Your approval will list requirements needed to be satisfied prior to closing.  These are known as “loan conditions”.  The most common loan conditions / documentation requirements are pay stubs, tax returns, bank statements, and an appraisal.

If you promptly order an appraisal from a certified appraiser who is able to complete the work within one week, this will help tremendously.  This will allow sufficient time for an underwriter to review it and clear it.  Meanwhile, in the first week while the appraisal is being worked out, send in all required documents mentioned in your loan approval.  Ideally, send us these documents within 48 hours to ensure processing is completed in a timely manner.

What Else May Impact the Time to Close?

If there are no complications such as a denied appraisal, or conditions not meet such as unsatisfactory loan documents, very little would potentially cause a delay.  If you hire a slow appraisal, have an employer who does not cooperate with providing employment verification, this can cause a delay or loan to be denied prior to closing.

The best way to find out how to close on a house fast, is schedule a free consultation.  Your loan representative will be able to assist you and answer all of your questions.

Steps to Achieve a Fast Closing on a House

  • First step is to apply.  If you are approved, you will receive a list of requirements that must be satisfied prior to your loan closing.
  • Second step is to get your purchase contract.
  • Third step is to order your appraisal.
  • Fourth step is to gather and submit all your required loan conditions (pay stubs, bank statements, tax returns, etc.) which will be outlined on your loan approval.

Once all your loan conditions (including the appraisal) have been reviewed and approved, you will receive the “clear to close“, which you will then want to schedule a closing date.
The final step is the mortgage closing.  This takes approximately 1-2 hours.  It takes place at the title company or through public notary.

After your loan closes, it will proceed to the loan funding.  As soon as the seller receives the funds (which is usually same day if not the following day, and is in the form of a wire transfer), you should receive your keys and can move into your new house!


A fast closing on a house refers to a real estate transaction that is completed quickly, typically within 30 days or less. The exact timeline can vary depending on the lender and the specific circumstances of the borrower. As an expert mortgage advisor, I can help you understand what to expect and guide you through the process.

The benefits of a fast closing on a house include the ability to close quickly and potentially secure a lower interest rate or better terms. However, there are also some risks to consider, such as the potential for mistakes or oversights if the process is rushed. As an expert mortgage advisor, I can help you weigh the pros and cons and make an informed decision.

To obtain a fast closing, you will typically need to provide documentation such as proof of income, bank statements, tax returns, and identification documents. As an expert mortgage advisor, I can help you prepare these documents in advance and ensure that everything is in order.

Choosing the right lender for a fast closing can be challenging, as not all lenders are equipped to handle this type of transaction. As an expert mortgage advisor, I can help you identify lenders who specialize in fast closings and evaluate their reputation, rates, and terms.

While the terms of a mortgage loan can be negotiated during a fast closing, it is important to keep in mind that the timeline may not allow for extensive back-and-forth. As an expert mortgage advisor, I can help you understand your options and negotiate effectively with the lender.

Closing costs for a fast closing can vary depending on the lender and the location of the property. However, there are some ways to reduce these costs, such as negotiating with the seller to cover some of the fees or choosing a lender who offers lower closing costs. As an expert mortgage advisor, I can help you navigate these options and find the most cost-effective solution.

While a low credit score or history of bankruptcy can make it more challenging to obtain a mortgage loan, it is still possible to qualify for a fast closing. As an expert mortgage advisor, I can help you explore your options and identify lenders who are willing to work with borrowers with less-than-perfect credit.

When buying a house as an investment property and needing a fast closing, there are some additional considerations to keep in mind, such as the potential for higher down payments and stricter lending requirements. As an expert mortgage advisor, I can help you understand these requirements and ensure that you are prepared for a fast closing.

If you are unable to close on time despite requesting a fast closing, there may be penalties or fees involved. As an expert mortgage advisor, I can help you understand the potential consequences and work with the lender to find a solution.

To prepare for a fast closing on a house in the USA, it is important to have all necessary documentation in order and be prepared to act quickly. As an expert mortgage advisor, I can guide you through the process and help you stay organized and on track. Additionally, you should be aware of any potential issues that may arise, such as title issues or inspection problems, and address them as soon as possible to avoid delays. As an expert mortgage advisor, I can help you anticipate and address these issues to ensure a smooth and successful closing process.

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