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‘I Got a Home Loan in 24 Hours’: How to Get a Mortgage Fast, Revealed. A growing number of mortgage lenders are offering rapid pre-approval to home buyers-some within 24 hours. Here’s how to.

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It takes about 30 minutes, they say. Within 24 hours of seeing your home, you’ll get a specific "top, no-obligation offer for your home" that is good for seven days so you have time to think it over. Assuming the price works for you, you’re free to pick a closing date and move date.

If you’re looking to use the equity in your home through a home equity loan or HELOC, you probably want to get the money fast. Whether you’re doing a home remodel, paying for a college education, or using the money for something else, you don’t want to wait around.

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The heightened demand is fueled by record-low mortgage. home ownership. He has no debt, he has saved for a down payment and his credit score is excellent. One home he was interested in sold four.

The loan-to-value ratio – which is a calculation of the mortgage amount divided by the home’s price tag – can’t exceed 97%. Have a minimum credit score of 620. Keep in mind that if your score is on the lower end, you’ll be required to provide a higher down payment at closing.

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