Yesterday, the FED added an additional 13 days to the mortgage process through certain timelines and disclosure dates which will lengthen the time one needs to obtain a mortgage.  As of right now, 30 days settlements have been tight but generally not a problem.  My advice to my clients and anyone who reads this that it would be wise to use 45 days as a safe, low number to settle on a home.  Please let me know if you have any additional questions.