How long does underwriting take?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Once your full file reaches underwriting, the initial decision usually comes in one to three business days. Any conditions you must clear afterward can add a few days depending on how fast you supply them.
A clean, complete file moves fastest. We assemble everything up front so underwriting issues few conditions and your loan clears quickly.
The underwriting window
Underwriting usually takes a few days to two weeks. An underwriter reviews your income, assets, credit, and the appraisal to confirm you qualify. A complete file moves fastest.
Most of our buyers clear it in about a week. Missing documents or unexplained deposits are what stretch the timeline.
Keep it moving
Answer every request quickly and completely. Do not open new credit lines, switch jobs, or move large amounts of money while your file is in review.
We track your conditions daily and push them through for you. Reach out and we will get your file into underwriting ready to clear on the first pass.