Applying for a mortgage through Quicken Loans is a fully online process that takes most borrowers 15–30 minutes to start. Here's exactly what to expect from start to close.
Before You Apply: What to Prepare
Documents You'll Need
| Document Type | Examples | Why It's Needed |
|---|---|---|
| Proof of Income | W-2s (2 years), pay stubs (30 days), tax returns | Verifies your ability to repay |
| Employment Verification | Employer contact info, offer letters (if new job) | Confirms stable employment history |
| Asset Statements | Bank statements (2 months), retirement/investment accounts | Shows funds for down payment and reserves |
| Credit Authorization | Social Security Number | Required for hard credit pull |
| Property Information | Purchase agreement (if buying), property address | Required for appraisal and title work |
| ID Verification | Driver's license or government-issued ID | Identity verification requirement |
Step-by-Step Application Process
Visit Quicken Loans & Select Your Goal
Go to the Quicken Loans platform (or use the form below) and select whether you're buying, refinancing, or getting cash out.
Answer Loan Questions
Provide details: property type, estimated purchase price, down payment amount, and how long you plan to stay in the home.
Enter Contact Info
Provide your name, phone number, and email address. This allows partner lenders to send you customized rate offers.
Authorize Credit Pull
A hard credit inquiry is required to generate accurate loan offers. This temporarily reduces your score by a few points.
Compare Lender Offers
Review rate offers from the Quicken Loans partner network. Compare interest rates, APR, monthly payments, and closing costs.
Select Your Lender & Complete Full Application
Choose your preferred lender, complete their full mortgage application, and upload required documents.
Underwriting & Appraisal
The lender reviews your full file (1–2 weeks). An appraiser visits the property to confirm its value.
Close Your Loan
Sign closing documents (often digitally). Closing typically happens 20–45 days after application, depending on the lender and loan type.
Apply Now — Get Your Mortgage Options
Get Matched with Quicken Loans Partner Lenders
Complete the form below to compare FHA, VA, Conventional & One+ Program offers — takes about 5 minutes.
By submitting you agree to our Terms of Service and Privacy Policy · Cookies · Do Not Sell · Accessibility · Contact. A hard credit pull may be required by lenders to show customized rates.
Tips for a Smooth Application
- Check your credit first — Use a free tool like Credit Karma before applying so you're not surprised by your score
- Don't apply for new credit in the 60–90 days before your mortgage application — it can lower your score
- Gather documents ahead of time — Having W-2s, pay stubs, and bank statements ready speeds up the process significantly
- Lock your rate once you have an offer you like — rates change daily
- Respond to lender requests quickly — Delays in providing documentation are the #1 cause of closing delays