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How much time does it usually take for the home loan process ?

JohnPau2010 asked:

I have put an offer for a home.

I wanted to start the home loan process. Usually how long does it take for the home loan to finish.

Small banks or big banks time frame, for a 160K loan with 25% down and excellent fico score.
Asked on: 2009-12-15 00:40:49


  1. Anywhere from 10 to 40 days is typical. Mortgage brokers will usually process your loan much more quickly than a large bank. I just completed a 12-day re-fi.

  2. lady_bella says:

    It took them about 30 days for us. But that may all depend on your agent and how efficient they are. Ours wasn’t too efficient. We had to keep on her tail all the time. Customers shouldn’t have to do that.

    If you just put in an offer and haven’t heard back whether or not the seller has accepted, that may take about a week to hear back. Just depends on how long it takes for them to do all the deciding, and calling back and forth to accept the deal. Then, once your offer is accepted, the loan process begins. :-)

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