My advice as a real estate lender is to get comfortable with your loan officer. And realize that real estate takes time. It's a lot of hurry up and wait. After you turn in your completed application and the underwriting is complete, they have to order the appraisal. Depending on where you are that can take anywhere from a week to a month. And there really isn't anything to do until that is back. The amount of the loan, and subsequently the amount of the down payment, hinges upon the appraised value. Once that comes back and we know the loan is a go, title insurance must be ordered. Again, this takes some time. Many realtors/sellers want to jump the gun and order that right away. But the amount of title insurance is dependent upon the actual sale value of the house, and the lender's policy that comes with is dependent upon the amount of the loan. If they order the title insurance early and the appraisal is lower than expected, the seller and you will end up paying for more than is necessary for title insurance. And your lender cannot move forward until the title insurance commitment comes back. They need to know if there are any outstanding liens on the property, and the legal description on your mortgage must match the title insurance exactly. I know a lot of areas that have more appraisers and title options are faster than I have it here, but it all still takes time. For me, it generally takes around 1 1/2 to 2 months to close on a mortgage, from start to finish. And that is only if we don't have any hiccups along the way.