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How Quickly Can I Get a Mortgage?

You’ve found the home of your dreams and are ready to make an offer, but you’re wondering, “How quickly can I get a mortgage? Will I potentially lose this great home because of a lengthy mortgage process?”

Of all the questions buyers have about purchasing a home, questions about getting a mortgage in a timely manner top the list. After all, when you’ve fallen in love with a home, the thought of losing it because of paperwork can be overwhelming. Fortunately, you can get a mortgage relatively quickly.

The Facts about the Mortgage Timeline

In a perfect world, getting a mortgage can be relatively fast – approximately 30 days. Unfortunately, we don’t always live in a perfect world. Getting a mortgage finalized involves many different factors and companies. There’s documentation that you, the borrower, must supply; verification of data that needs to occur; and appraisals and inspections to schedule. There are also many people to coordinate, including the loan officer, an underwriter, a processor, an appraiser, a title company, an escrow company, an insurance company, a home inspector, and many more. It’s no easy feat!

Because delays can happen and certain things just take time, it’s not uncommon for the process to take up to 45 to 60 days from start to finish.

Before you get alarmed, remember that this is just an average. Some mortgages close faster, and some close slower. Every loan and borrower situation are different. Because so many factors are involved, you should schedule some buffer time into your timeline, just in case. Also realize that sellers know it takes time to get a mortgage. (Your seller is probably going through the same process as you for their new home.) They don’t expect you to close in 30 days or less, unless it’s a cash purchase.

Control Your Mortgage Timeline

The best advice to get a mortgage in a timely manner is to be patient and cooperative. If your lender asks for some additional documentation, provide it quickly to help keep everything moving. Before you know it, you’ll be at the closing table, finalizing the purchase of your new home.

Whether you’re applying for a mortgage or wanting to sell your home, you can find many great real estate tips on our Facebook page. If you’re thinking about buying or selling a home, we can help! Contact us today!

 

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Welcome

Welcome! We are glad you’re here. We developed this website to give you the most up-to-date Napa Valley real estate listings and the most reliable information for home buyers and sellers.

Not sure where to start? Check out our blog, vlog, and articles for information on buying and selling a home, design and staging tips, and real estate investor information.

Ready to buy? Be sure to browse our current listings.We are eager to show you your next Napa Valley home.

Relocating to the area? Read up on all the great communities that make up Napa Valley.

Welcome! We are glad you’re here. We developed this website to give you the most up-to-date Napa Valley real estate listings and the most reliable information for home buyers and sellers.

Not sure where to start? Check out our blog, vlog, and articles for information on buying and selling a home, design and staging tips, and real estate investor information.

Ready to buy? Be sure to browse our current listings.We are eager to show you your next Napa Valley home.

Relocating to the area? Read up on all the great communities that make up Napa Valley.

Is it time to sell your home? Why not have the #1 real estate team represent you?

We’re sure you have questions. And we are here to help. Contact us for information on anything real estate related.

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About Us

Leading the Pujals team are Jerry and Susan Pujals, who is ranked as the #1 Sales Team for California, Coldwell Banker Brokers of the Valley. Jerry, a Senior Broker, and Real Estate Advisor began his career in real estate with Coldwell Banker Brokers of the Valley in 1997. Susan, a seasoned Real Estate Sales Consultant joined the organization in 2008, which established the formation of The Pujals Team.

Having received national recognition for their performance and many local awards, Jerry and Susan are proud to be affiliated with Coldwell Banker Brokers of the Valley, Napa County’s real estate market leader for more than 20 years.[Read more]

Reviews
“Jerry and his associates are the best! Jerry cares for the individual taking in consideration what the person wants and cares for, making the best choices for you. I truly recommend them because they treat you as family and they make the process so easy for you. They are one of a kind!! We decided...” - Lucy Arreola Read More
“Jerry and Susan Pujals are adept at representing both sellers and buyers in this fast-paced Napa market. We’ve seen their work, both as sellers and buyers, and can affirm they shine in both arenas. The Pujals team just finished helping us through multiple real estate transactions: two homes prepared, listed and sold, and one home...” - Jane Callier Read More