How long does the home mortgage approval process take?

The mortgage approval process typically takes 30 to 60 days from application to closing, though it can be faster or slower depending on loan type, lender, and borrower circumstances. After submitting your application, the lender orders an appraisal, verifies your income and assets, and an underwriter reviews the file. You may receive conditional approval (subject to providing additional documents) before final clearance. VA loans can take slightly longer due to additional VA appraisal requirements. Getting pre-approved before making an offer and having all documents ready upfront can significantly speed up the process.