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 lock rates or make credit decisions.
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 by shopping your purchase or refinance file across multiple wholesale lenders — not a single bank's product menu.
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.