A FHA loan from start to finish should take approximately thirty days. Is yours taking longer?
FHA loans are one of the easiest loans to process if your mortgage broker is familiar with the process. The most common errors are submission errors and you can have a hand in avoiding them. It is not your mortgage brokers responsible to ask for paperwork over and over again. When we ask for documents it's because the lender will need them (really!). I will start at the beginning-Sign and date all your documents. Supply your broker with all asked for paperwork. If you have only lived at your current address or worked at your current job for less then two years you need additional home or work information. Close is not good enough. The lender wants two years and one year ten months is not close enough. Calls will be made and the lender will come back asking for more information. Guess what?....you have now slowed down the loan. You can count on adding another four to six business days just because you thought (or your broker thought) you could just say two years on your application.
Most everything else is out of your hands. Your mortgage broker should know to include the appraisal with pictures, building permits, amendatory clause, title information including the deed description, etc. Everything should be legible if it is in your loan package. The most important thing you can do is choose your mortgage broker with care. Don't be afraid to ask questions until you are comfortable with the broker. If something doesn't feel right go elsewhere. If they don't answer your calls find someone who will.