As far as timeframe, anywhere from 21-45 days depending on how quick a borrower gets their docs to underwriting, how long the appraisal takes, etc.

There will always be posters who come out of the woodwork who claim to be able to beat terms or meet borrowing expectations.

There are also some benefits to leverage such as tax breaks that lowers the effective cost of borrowing the money.

LoanGuys has a team of loan officers that help borrowers with their financing needs.

Research ways to use your education to help you qualify for a loan (did you know that some lenders allow college credits that translate directly to the line of work the graduate pursues to count towards work experience, accelerating the borrower's opportunity to get approved for a mortgage?). 

Well its just like in our business when we make a loan and the borrower stops paying we deal with it..

Transfer of the Property or a Beneficial Interest in Borrower.

When applying for loans, do not list your wife as the co borrower and vice versa.

Borrow the money interest free and compound on.

The other option for you would be to borrow against the equity in the property.