Bernadette, there is a difference between a "loan commitment" and a "pre-approval". However, a loan commitment which includes a complete review of the file and underwriting approval includes an appraisal be completed as well. This can vary by lender. It is best to work with a lender who has in-house underwriting, processing, and closing departments as things move more quickly since everything is local. I would be happy to assist you with your loan process as we do have this type of service. Typically with our company, it takes 24-48 hours for underwriting to issue a loan approval. That said, an appraisal can take anywhere from 2 days to 1 week, depending upon the appraiser.
Feel free to contact me and I can ensure you a smooth process. I look forward to serving you.