2. When should my honey and I start the mortgage broker process? Wait until we have a bid accepted or now? 3. How long does it take usually to close on a house? Background: I was going to wait until next summer to get a house but a specific one just went on the market. We are willing to buy it now because it is our dream house and it is in our price range. If we can't get that one we will wait otherwise we want to shuffle everything around to do it now.