You can also speed up the mortgage process by getting pre-approved in advance for a mortgage with a qulified experienced mortgage professional.

It is a good idea to have all of your financial paperwork in order and any documentation for credit issues handy that will be needed by your loan officer.

Access to email and a fax machine can make your loan process more efficient. Many people have this available at work.

Make sure that you work on getting your FICO score up and clearing any possible disputes with your creditors.

Make sure to be available for your mortgage professional. Not returning phone calls and or emails delays your application.

When applying for a mortgage, be sure to give your mortgage professional complete and accurate information. If the information is not accurate it could slow the process down, and you may even need to change loan programs or lenders. This will add time to the overall loan process. If you are unsure of the specifics of your income or employment, take the time to find out initially rather than waiting until the loan has been submitted. Every mortgage professional's goal is to make the process as smooth and easy for their customers.

If you know for sure you are going to get a loan then order your appraisal immediately. Pay for it up front and with your own money. Granted you can build this into the loan (sometimes) but it slows things up. If you know for sure you need financing then get this process started asap! Once its done you can always have the appraiser put the appraisal in the name of the lender that your broker chooses.

One of the biggest things you can do to speed up the process is to work with someone who has experience. You can do this by calling me at 718-886-4438 anytime!

When documentation is requested, provide that information in a timely matter. It is of the utmost priority to get the requested information submitted quickly so there are no delays in the funding of your loan.

Borrowers can speed up the loan process by having the following documentation before applying:

1. Last 2 years W-2's or Tax Returns.
2. Last 2 paycheck stubs.
3. Bankruptcy, divorce or separation papers.
4. Name, phone and address of current landlord or Mortgage holder.
5. Copy of Homeowners Insurance
6. Copy of property survey
7. Last 2 months bank statements.

These are some of the basic documents common to every loan transaction.

When you are first beginning to shop for a new home and mortgage pay attention to how quickly your real estate agent and loan officer return your calls. If you have difficulty reaching these people in the beginning then you can expect the behavior to continue for the duration. If you anticipate a problem early on you still have time to work with someone else.

One way to speed up the loan process is to have all of your financial records available for your mortgage broker. Also, stay in close contact with your mortgage broker, answering calls and emails, during the loan process.

Speed-Up The Refinance Process - Whatever your reason to refinance, time is often of the essence.

Here are a few ways you can expedite your refinance loan application:

-Ensure your mortgage application if completely filled out. Incomplete mortgage apps have a funny way of ending up at the bottom of the processor or lender underwriter’s pile. The best way to do this is to…

-Attach or provide copies of all related documents, including any income verification (paystubs and W2‘s; 2 year tax returns if your self-employed), current mortgage statements, homeowner’s insurance info, along with any other items your broker may outline for you. The lender may also request additional documentation throughout the loan process until your loan funds. The quicker you get these items to your broker, the better.

- Don’t submit your loan application to several different brokers. Each loan application you complete can prompt its own set of title and pay-off requests, along with additional credit inquiries. Of course, shopping for the best broker is an excellent idea, but once you decide on your mortgage specialist, stick with them and let them shop your loan for you.

-Don’t get greedy. Interest rates can go up as easily as they can go down. Talk to your broker about locking your interest rate, and then lock it. Putting off the loan because you think mortgage rates may go down "one-hundredth of one percent" could turn out to be a costly game to play.

-Facilitate your home‘s appraisal. For instance, provide a floor plan if you have it, or copies of permits for any approved additions or improvements you’ve made to the property since you purchased it.

There are steps you can take to help speed up the refinance process.

1. Gather all documents that are needed by lender as soon as possible.
2. Order a loan payoff as soon as possible.
3. Update your Insurance
4. Return all application documents as soon as possible to lender.

Let your Mortgage Professional know the best time to reach you if any additional information is needed as well as give them a good day and time to schedule the appraisal. Give your mortgage professional the main number of your employer's human resources department to verify employment.

During the refinance process its important not open any new credit card accounts, make large purchases on your credit card or apply for another installment loan. These actions can cause credit inquiries on your account and can negatively impact your score, which may be to low for the program that your mortgage professional was originally going to qualify you for. This can delay the refinance process since a new program will have to be researched to meet your goals.