How long does mortgage underwriting take?

Underwriting itself usually takes one to three business days once your full file is submitted, and the whole loan from application to closing averages 25 to 35 days in Florida. A clean file with complete documents moves fastest.

Delays almost always come from missing paperwork, a slow appraisal, or last-minute changes to your credit or employment. We front-load document collection and order the appraisal early so your file doesn't stall in conditions.

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