The mortgage process can be long and time consuming. Often there are several months between initial pre-approval and finding a home to purchase. Even after a property is found and a contract ratified for the purchase of the property, there can be several weeks until settlement. With refinance transactions, there can be several weeks, or even months, between the initial application and final loan settlement. During that time, it is important to remember that borrowers cannot engage in any activity that may interfere with the final loan process. Below are some guidelines that will help prevent any unnecessary delays in the processing of your new mortgage loan.