What is the reason for taking a long time for closing a mortgage?

Mortgages will take a minimum of 30 days to initialize, and many first-time borrowers generally will not expect this much of a waiting period. The short answer to this question is that a lot of things need to be happening between submitting your mortgage application and taking ownership of your home. One of the things is that you need to gather the documentation for your lender, and they will come and ask for more.