Does the question refer to the time it takes to move the application on to the next stage (underwriting) or from beginning to end (final approval)? If it's the former, my colleagues have answered it. Should it be the latter, much is dependent upon how long it takes to gather all the information required ... from tax returns to appraisal. In this instance, we're looking at 30 to 45 days under "normal" conditions (i.e. no missing pieces and a favorable appraisal). I've had them take less time, but it usually requires the buyers to have all the necessary documentation at their fingertips, with no glitches along the way.