what is the least amount of time to apply for a loan and get in to the house?

Do you mean after a foreclosure, short sale or bankruptcy?

Some lenders are just not set up for quick closings and some borrowers have unique circumstances that make it more difficult to close quickly. Most of the bigger banks/national mortgage companies will tell you it takes only 30 days but we see many cases where 60 days is the norm for many of them. As a regional Mortgage Banker, I have successfully closed deals in as little as 9 working days, but in each case, they were extremely clean transactions and I had everything except title and appraisal on day one, and we were into underwriting with appraisal on day 5 or 6. Keep in mind, this rarely happens with any lender. The best process is to apply as soon as you can so the lender has everything as soon as possible and then closing in 3-4 weeks from when the contract is delivered is pretty easy. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Ah, I now see what you are asking. I think the average is about 21 days. It can get done quicker than that if you have absolutely everything together for your loan officer and if the appraisal comes in quickly. However, if you can give yourself some time to make sure things go smoothly I would suggest 30 days. A lot of it really depends on how quickly you provide everything requested by your loan officer. Best wishes,

If everything is running smoothly we can close loans in 10-14 days. But generally you want to ask for 45 days with the sellers just to be safe. If I can be of assistance please contact me Ken@MortgagesforAmerica.org - www.MortgagesforAmerica.org - 888-320-7888 - Ken Burrows

Great answers previously, bottom line is that it depends. Usually anything less than 3-4 weeks is very quick, anything longer than 30 days is unusual for a straightforward transaction.

If you asking about how long the process is to purchase a home, then assuming you've already found a home and have an excepted contract, then from the time of submission, you should be able to close within 30 days.. some files can close in as little as 15 -20 days, but so many things that can pop up that would cause a delay, it's hard to guarantee the short time frames, and be wary of any lender that says otherwise.. your just setting yourself up for disappointment.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Give yourself about thirty days to be safe, although these days a home purchase transaction can be completed in less. Have you already been pre-approved for your purchase? Chat with your lender to see what they recommend based on your financial profile and their turn time.

Because there are so many moving parts to a transaction and each situation and borrower is different it is hard to say, so like everyone else here i would at least give it 30 days and make sure to provide documentation in a timely manner to expedite the process you may be able to knock it out in 2 -3 weeks.

Normal time is 30 to 45 days. It helps to be prequalified by your lender.