Underwriting Times
Sometimes there can be delays in underwriting due to the volume of loans that are currently being underwritten for FHA loans. My bank normally averages a 24 to 48 hour turn time for Underwriting. I hope this answers your question.

Not Married Yet, Can We Get Mortgage
The process isn't any different than the normal process. You are able to chose how you would like to hold title. Both borrowers would need a minimum score of 580 in order to qualify for a FHA Loan. Please email me if you have any questions.

Is it ok to have a 30 year fixed
My professional opinion is as long as you obtain a fixed rate you can't go wrong. I have seen many people look into 15 year and 20 year fixed rates as opposed to 30 years because they can pay off their home in a shorter time. Are you looking to purchase or refinance a home?