The mortgage process typically takes 30 to 45 days, though timelines can vary based on loan type, documentation, and appraisal scheduling. Responding quickly to lender requests and submitting complete paperwork can help prevent delays.
How long does the mortgage approval process take?
July 24, 2026
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When you're ready to buy.
1
Apply online
A local loan officer will review your information and give you an estimate of what you could spend on a home — without affecting your credit.
2
Get expert help
Ask about first-time homebuyer programs, down payment assistance, and other options you may not know you qualify for.
3
Find your home
Your local team stays with you at every step — answering questions and helping you land the right loan for your situation.
