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For example, most appraisals on VA loans are back within 10 days, but it might take longer in more remote parts of the country. That 30- to 45-day window from contract to close is a good ballpark for most purchase loans, unless youâre trying to buy a short sale (think more like 90 to 120 days). But understand itâs not uncommon for underwriters to require additional documents once they begin scrutinizing your loan file.