Week 1: Application and disclosures
You apply, receive initial disclosures (including the Loan Estimate), and provide documents. The lender orders the appraisal.
Weeks 2–3: Processing and underwriting
The processor packages your file; the underwriter reviews and issues conditions.
Typical Florida Mortgage Timeline
- 1
Application
You apply and receive initial disclosures.
- 2
Processing
Docs collected; appraisal ordered.
- 3
Underwriting
Full file review; conditions issued.
- 4
Clear to Close
CD issued 3+ business days out.
- 5
Closing Day
Sign, fund, record — get keys.
Week 4: CD and closing
You receive the Closing Disclosure at least 3 business days before closing, wire funds, and sign at the title company.
Key takeaways
- Most loans close in 20–30 days.
Frequently asked questions
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