5 Proven Tips to Get Fast Mortgage Approval in 2025

August 5, 2025

In 2025, timing can make or break a real estate deal. With interest rates fluctuating and inventory still tight in many markets, homebuyers need to be ready to move quickly. One of the best ways to stay competitive is by securing fast mortgage approval. 


At Bonelli Financial Group, we specialize in helping clients navigate the home loan process quickly and efficiently. Below are five proven strategies to help you speed up your mortgage approval, secure a competitive rate, and close with confidence.

Many buyers begin the process with a prequalification, which is typically based on self-reported information. However, this does not carry the same weight as a preapproval, which involves submitting financial documents and undergoing a full credit check.


Mortgage preapproval gives you verified buying power, shows sellers you are a serious buyer, and significantly reduces delays during underwriting.


To get started, you can apply for a preapproval online with Bonelli Financial Group. Our secure digital platform makes the process simple and fast.

Missing or incomplete documentation is one of the most common causes of delay in the home loan process. Having everything ready before applying helps your loan officer move quickly and efficiently.


You will typically need:

  • Two years of tax returns
  • Recent W-2s or 1099s
  • Thirty days of pay stubs
  • Two months of bank statements
  • A valid government-issued ID


Creating a digital folder with scanned copies of these documents can save valuable time.

Optimize Your Credit Profile

Even small improvements to your credit profile can help speed up approval and potentially improve your loan terms. Take a few days to review your credit report and make quick fixes if necessary.


Ways to optimize your credit:

  • Pay down credit card balances to reduce utilization
  • Avoid applying for new credit
  • Dispute any errors on your report


Bonelli Financial Group offers complimentary credit consultations for every applicant to help identify opportunities for improvement before your application is submitted.

Not all mortgage lenders operate on the same timeline. Some larger institutions still use outdated systems and manual processes that can take weeks. Bonelli Financial Group uses a modern, streamlined platform to help you move faster.


Our clients benefit from:

  • 24 to 48 hour underwriting in most cases
  • Secure digital application and document uploads
  • A dedicated loan expert available to answer questions and provide updates


We are known for fast processing, responsive communication, and competitive rates. To begin the process, apply online today or request a call from one of our loan officers.

Avoid Major Financial Changes During the Process

After submitting your application, avoid any financial changes that could impact your credit or debt-to-income ratio. This includes:

  • Changing jobs
  • Opening new credit accounts
  • Making large purchases such as a vehicle or furniture


Even seemingly small decisions can impact underwriting results or delay closing. Your Bonelli Loan Officer will guide you through what to avoid during this stage to keep the process smooth and on track.

At Bonelli Financial Group, we are more than just a mortgage lender. We are your partner throughout the home loan process. Our experienced team works quickly and efficiently to help you secure a mortgage that fits your budget and your timeline.  We are proud to offer:
  • Fast approvals with competitive rates
  • Expertise in first-time homebuyer loans, self-employed borrower solutions, and low-credit loan options
  • A fully online application process with expert support when you need it

Whether you are buying your first home or refinancing, Bonelli Financial Group is here to help you close faster and smarter.


Apply now or call our team directly to get personalized assistance and same-day answers.

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