{"id":11724,"date":"2017-06-14T12:35:47","date_gmt":"2017-06-14T12:35:47","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=11724"},"modified":"2017-06-14T12:35:47","modified_gmt":"2017-06-14T12:35:47","slug":"long-take-get-mortgage","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/long-take-get-mortgage\/","title":{"rendered":"How Long Does It Take to Get a Mortgage?"},"content":{"rendered":"

How Long Does It Take to Get a Mortgage?<\/h1>\n

 <\/p>\n

\"How<\/a>

How Long Does It Take to Get a Mortgage?<\/p><\/div>\n

Home shoppers may need to plan for more time than they realize when they’re starting the process of obtaining a mortgage.<\/p>\n

\u201cToday\u2019s mortgage process is very involved, particularly with regard to the documentation required, third-party verification, and the independent appraisal process,\u201d says Whitney Fite, president of Angel Oak Home Loans in Atlanta. \u201cAll of these moving parts can cause a delay in processing if an issue arises.\u201d<\/p>\n

The entire process encompasses getting pre approved, a home appraisal, and getting the actual loan. Typically, the process takes about 30 days, on average, Fite says.<\/p>\n

However, in busier times of year, consumers should expect a longer wait. For example, a duration of 45 to 60 days, depending on the lender, may be more of the norm, according to a recent article at realtor.com\u00ae.<\/p>\n

Consumers may be best off making sure they get an early start to the mortgage process from the moment they even start thinking they may want to purchase a property. Many sellers require buyers now get preapproved for a mortgage before they\u2019ll even accept an offer.<\/p>\n

For a pre approval, lenders will check the consumer\u2019s credit rating, debt-to-income ratio, and other financial information. That alone may take a week or even longer, depending on the borrower\u2019s circumstances.<\/p>\n

But buyers shouldn\u2019t confuse a pre approval for having an actual mortgage loan. Borrowers still have to apply for the actual loan and also get through the appraisal process. Also, in the underwriting process, lenders will review all of their financial information and ensure the home buyer has not made any false or misleading claims on their application.<\/p>\n

Fite says the most common reason for a mortgage-related delay is the borrower not turning in documents in a timely manner.<\/p>\n

\u201cThe best advice I can give someone buying a home is to prepare to respond very quickly for any and all documentation requests,\u201d Fite says.<\/p>\n

Source: \u201cHow Long Does it Take to Get a Mortgage? Longer Than You Might Think,\u201d realtor.com\u00ae (June 12, 2017)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

How Long Does It Take to Get a Mortgage?   Home shoppers may need to plan for more time than they realize when they’re starting the process of obtaining a mortgage. \u201cToday\u2019s mortgage process is very involved, particularly with regard to the documentation required, third-party verification, and the independent appraisal process,\u201d says Whitney Fite, president … <\/p>\n

Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-11724","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"\nHow Long Does It Take to Get a Mortgage? - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.anthonydidonato.net\/wordpress\/long-take-get-mortgage\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/long-take-get-mortgage\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/long-take-get-mortgage\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"headline\":\"How Long Does It Take to Get a Mortgage?\",\"datePublished\":\"2017-06-14T12:35:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/long-take-get-mortgage\\\/\"},\"wordCount\":369,\"publisher\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"image\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/long-take-get-mortgage\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2017\\\/06\\\/06142017.jpg\",\"keywords\":[\"Anthony DiDonato\",\"News\",\"Real Estate\",\"tips\"],\"articleSection\":[\"News\",\"Real Estate Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/long-take-get-mortgage\\\/\",\"url\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/long-take-get-mortgage\\\/\",\"name\":\"How Long Does It Take to Get a Mortgage? 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