The lender makes a huge difference. Many banks take almost 45 days now. However, 30 days is typical. And some lenders can expedite the process and get everything done in 10-15 days. But that also means you need to do the inspection immediately, which I always recommend anyway. :) Again though.... the lender makes a huge difference and whether they have actually pre-approved you versus pre-qualifying you. And if they do underwriting ahead of time like one of the lenders I use, she is able to do it in under 15 days.