No mortgage company can guarantee 30 day closing because of many factors. Perhaps your employer, bank or previous home loan does not respond in time. Perhaps you cannot provide your requested documents on time. A mortgage company is at the mercy of appraisers, underwriters etc. a good solid applicant can close in 30'days but a mortgage company doesn't know what may come up when you first apply. The developer ask for a 30 day close because time is money. He is paying interim financing interest on each home he builds. Some home loan processes can go on forever, costing the builder more money.
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