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How long does the mortgage approval process take?

By Bob Millaway, South Jersey Community Expert & REALTOR®

The full mortgage approval process typically takes 30 to 45 days from application to closing. Pre-approval can happen in as little as one day. After you have an accepted offer, the lender orders the appraisal, verifies your documents, and processes the loan. Delays can happen if documents are missing or if the appraisal takes longer than expected.

Why It Matters

Understanding the timeline helps you plan your offer strategy, set realistic closing dates, and stay on top of document requests from your lender.

Related Questions

What should I look for during an open house? How much should I save for a down payment? What are closing costs and how much are they? What loan options are available for first-time buyers? What questions should I ask my real estate agent when buying?

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