There's no guarantee how long it'll take to process your mortgage application, but there are things you can do to help ensure a smoother, quicker process.

        First, be sure of your credit worthiness: request a copy of your credit report. It will likely be blemish-free, but never discount the possibility that it could contain errors: closed charge accounts may show up as available credit, repaid loans could appear outstanding, or you may discover you've been a victim of identity theft. Address any mistakes now so they don't slow or altogether stop your application process later.

        Next, gather documents to support the claims you'll be making on your application. Include things like listing and purchase agreements, home appraisals, credit reports, pay stubs, income-tax returns, letters from employers, bank statements, lists of assets and liabilities, and proof of income from sources like rental properties, pensions, alimony, or child support. The more information you provide, the faster the lender can make a decision.

        When filling out your loan application, do so honestly and accurately. Make sure all information is correct and legible and no questions have been missed. Once you've filed your application, make sure you can be easily reached should your lender require any further information or paperwork from you - and be able to respond quickly to such needs. Now is probably not the time to go on vacation. Lastly, check in - occasionally - with your lender to see how your approval is coming along. This will also lessen its chances of getting lost in the shuffle.

        While many homebuyers wait until they find the perfect property before applying for a mortgage, you may want to consider having a pre-approved mortgage in hand before even starting your new home search. This gives you the best idea of what you can afford, and also gives you the edge when negotiating with a seller who is looking for a swift closing.