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How long does the mortgage process take? The mortgage process can take anywhere from 2 weeks to 6 weeks, but the typical time is 3 weeks topic. colorado refinance home mortgage Because of the time it can take, if you are searching for a new home, it is advantageous to pre-qualify to ensure there is plenty of time to get everything in order topic. colorado refinance home mortgage If you have any special timeframe, be sure to let your loan specialist know what time constraints you have. Most of the time, your loan specialist can work with you to meet your needs. When is the right time to refinance? There is no set answer to this question. A rule of thumb is, if you can reduce your rate by more than 1%, it may be time to refinance. Of course, other situations may make it the right time to refinance. If you can combine a 1st and 2nd mortgage into 1 mortgage, and reduce your monthly payments, or consolidate debt to reduce monthly expenses, it may be advantageous to do so.