Loan Process
How long does it take to close?
Context
Closing timing is one of the most common questions once a purchase agreement is signed.
The short answer
Closing timelines are set by the lender, the appraiser, the title company, and other third parties — not by Davis Monroe Financial LLC. Typical wholesale-lender closing windows in 2026 run roughly 21–45 days depending on loan type, appraisal turnaround, and any borrower-side conditions.
Things to keep in mind
DMF does not set or guarantee closing dates. DMF is a mortgage broker — we do not make credit decisions. Rate locks are issued by the lender; we submit and manage lock requests on your behalf.
Next step
We work to keep your file moving so the lender can act on it as quickly as their process allows — contact DMF to get your file started.
Have a question about your own situation?
DMF serves Minnesota homebuyers and homeowners. We submit your purchase or refinance file to multiple wholesale lenders and compare what each one offers, so your pricing is not limited to one lender's rate sheet.
Davis Monroe Financial, LLC is a mortgage broker, not a lender. We do not make credit decisions or fund loans. Rate locks are issued by the lender; we submit and manage lock requests on your behalf. All loans are subject to credit approval. Rates and terms are subject to change without notice.