
After a seller accepts your offer on a house, there are a lot of things to do before you can move in.
To help speed the process, here are 5 things you can do to close your mortgage loan more quickly.
#1 Work With an Experienced Mortgage Loan Originator
A mortgage loan originator (mortgage broker) act as an intermediary between you and the lending institution, and will guide you through the entire mortgage process.
Better and more experienced mortgage brokers are able to move the mortgage process more quickly by staying on top of the loan approval process and ensuring that documents are processed in a timely manner.
#2 Make Sure You Have Money for Closing Costs
Decisions regarding closing costs should be made early in the mortgage process. If you do not have the funds to pay closing costs, you will not be able to close on your mortgage. And if you would like to finance some of the closing costs, this must be arranged from the beginning of the mortgage process.
For more information about closing costs, see our article and video:
- Article: What type of closing costs should you expect to see when buying or refinancing a home?
- Video: Closing Costs You Should Expect When Buying or Refinancing a Home
#3 Get Conditional Approval Before Making an Offer
Obtaining conditional approval for a home loan means you have applied for, and received, tentative approval for your loan before making an offer on a house.
If you are conditionally approved for a home loan, your mortgage loan should close more quickly, providing the information and documentation you’ve provided is accurate.
#4 Have Your Documents Ready
Whether you are pre-approved for a home loan or not, it helps to have all required documentation organized for easy access.
Your mortgage broker will help you identify all the documentation you need, which can vary based on your specific circumstances.
For more information about the documentation you will need, see our article:
#5 Create a Timeline For Repairs the Seller is Obligated to Make
Lenders sometimes required repairs to be made on a house before closing, which can be a matter of contention between seller and buyer.
Repairs, whether required by a lender or a buyer, should be put in the contract, along with a mandatory completion date. That way both seller and buyer are protected, and all parties can be satisfied.

The Marimark Mortgage Newsletter will keep you informed with important events in the mortgage industry that could impact your finances.
We especially focus on ways to save money on your current and future mortgages. And, we continually share the information we share with our clients, because we believe informed consumers are the best consumers.
Real estate agents, and other professionals in the industry, will receive an ongoing wealth of information that will help them serve their clients.