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The length of time between when you apply for a mortgage and when you get the funds for your home can vary widely depending on many factors.For purchases, generally sales contracts are written with a closing date set about 30 days out. Most purchase loans can be completed in 30 days.Often, if all of you numbers are good, such as credit score, debt-to-income, loan-to-value, etc., purchase loans can be completed much faster. Conversely, if your numbers and documentation are not so good, these loans can take longer.ost purchase loans can be completed in 30 days. Often, if all of you numbers are good, such as credit score, debt-to-income, loan-to-value, etc., purchase loans can be completed much faster. Conversely, if your numbers and documentation are not so good, these loans can take longer.