How long does it take to get a VA Loan? Many of you may have this question in mind.

When you want to purchase a new home, you would like to know how long the VA home loan process takes. Keep in mind that the process is different when compared to traditional loans. A few other factors will determine the approval time, so that it will depend on your specific situation. However, expect to close the VA loan within 50 days.

How long does it take to get a va loan

Do you want to know more about the length of the approval process? In this post, we explain the topic in detail to help you get a better understanding of VA loan closing.

How long does it take to get a VA loan?

If you want to know how long it takes to get a loan, keep in mind that the process can be different. Expect to close the VA loan from 40 to 50 days, which can be the same as obtaining a standard loan.

However, the process of getting a loan consists of a few steps: pre-approval, home search, contract, underwriting, and closing.

Pre Approval

If you are pre-approved, this means that you satisfy the lender’s essential criteria to qualify for a loan. This is the initial step of the process when you need to understand your financial power. Some will recommend you to get pre-approved even months before you begin searching for property. This will save you time when looking for a home that fits your budget. Keep in mind that some sellers won’t consider your offer if you don’t disclose proof of pre-approval. On the other hand, the pre-approval shows that you are serious about buying a home.

If you want to know how long a loan approval takes for your specific case, get started with the pre-approval. You need to share important information with your lender, such as home preferences, employment, and military service. Next, they will perform a hard credit check to see if you meet the minimum requirement. If you do, they will request the needed documentation for your employment and income. Finally, your lender will give you a pre-approval letter. You should disclose a copy of this document when you submit an offer for a home.

Home Search

When looking for homes, keep in mind that the property needs to fulfill VA’s requirements. This means that the house should be in decent shape, but you should consider the additional Minimum Property Requirements.


In this step, you should work closely with your real estate agent to shape a price according to the market demand. Your agent is already familiar with the prices and trends in the area to offer a reasonable price. The contract contains the terms and conditions, such as who pays for closure costs and closing date.

How long to close on a home loan? The arranged timelines can speed up or delay the whole process, as the seller might not be able to move out promptly.


When you have the contract, it is time for underwriting. Every home purchased with a VA loan undergoes appraisal through the VA, which is the process of determining the home’s value. How long does it take to process a loan in the appraisal phase? You might be required to disclose additional information for your income and employment to show your creditworthiness.


Before the closing phase, you will receive a document called Closing Disclosure. This provides you essential information about the fees and costs, so review it carefully. In case you had any changes in employment, you should acknowledge the lender. Then, it is time for one final walk-through to see if everything is delivered according to your contract. If there are any flaws, you should contact your real estate agent.


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