At Carlyle Financial, our mortgage banking platform truly shines when you need to close on your new home purchase or refinance quickly and efficiently. Our team is dedicated to making the mortgage closing process as smooth as possible, even in competitive markets, with a focus on saving you time and money. Discover how we provide expedited closing for your loan here and learn how our in-house capabilities work to your advantage.

How long does a home loan typically take to close?

Learn more about our home loan process and read about our services – including those for first-time home buyers.

On average, the home loan closing process can take between 30 to 45 days, though timelines may vary depending on the complexity of the loan and the responsiveness of all parties involved. At Carlyle Financial, our home loan process is designed to maximize efficiency, so whether you’re a first-time homebuyer or refinancing an existing mortgage, our experienced team will guide you each step of the way. We keep communication open so you always know what’s happening with your loan, reducing uncertainties and stress.

Why Work with a Mortgage Bank for Expedited Closings?

Unlike many lenders, we are a mortgage bank, meaning we handle your loan from start to finish in-house. By processing, approving, and closing your loan internally, we minimize the time and complexity associated with outsourcing steps in the mortgage process. This structure helps us close loans faster, as your file doesn’t get passed from one department to another in different locations. Learn more about our services and how our structure can help you move from application to closing with fewer bottlenecks.

Home Loan Solutions Tailored to Your Needs

We know every client’s situation is unique, which is why we offer a wide variety of home loan solutions. From conventional loans to jumbo mortgages, our loan options are designed to fit different financial goals and homebuying scenarios. Plus, with options like FHA, VA, and conforming loan programs, we can provide the guidance you need to find the right fit for your goals, timeline, and budget. This comprehensive selection, paired with our hands-on service, makes the mortgage journey more flexible and manageable, regardless of where you are in the process.

Our Steps to Ensure a Fast and Efficient Mortgage Closing

To support a quick, secure, and seamless closing, we’ve implemented a range of services and tools designed with convenience in mind:

  • Automated Loan Status Updates: We keep you informed with real-time status updates, so you always know exactly where you stand in the process. This transparency makes it easy to follow each milestone.
  • Quick, Secure Online Document Submission: We offer a secure portal for uploading documents online, allowing you to submit everything from the comfort of your home. No more running back and forth to provide documentation.
  • Videoconferencing Options: Need to review your loan documents or get answers to your questions quickly? We offer video calls so you can meet with us virtually, minimizing the need for in-person visits.
  • Flexible Hours: We’re available beyond standard banking hours, recognizing that the mortgage process doesn’t always fit neatly into a 9-to-5 schedule. Whether you need assistance in the early morning or late evening, our team is here to help.

By offering these services, we aim to streamline and speed up the mortgage closing process. Even if your loan doesn’t have a specific “close of escrow” deadline, such as in the case of a refinance, we still focus on getting the process done as quickly as possible while keeping you informed.

What’s Next? Preparing for Your Closing Day

Once you’re ready to close, we’ll guide you through the final steps, including any last-minute checks on documents or signatures needed. This final phase usually involves confirming terms, arranging the transfer of funds, and signing official paperwork. We make sure you understand each part of the closing process, so there are no surprises on your end.

Need More Information?

If you have additional questions or want to learn more about our mortgage services and loan products, read about our services. We’re here to support your homebuying or refinancing journey, providing a smooth and speedy closing process for every client. Connect with Carlyle Financial to experience how easy and efficient a mortgage closing can be.