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The entire application, underwriting and funding process could take anywhere from 30 â 60 days. If it takes less than 30 days, youâve got a highly efficient mortgage team. If it takes longer than 60 days, thereâs some kind of problem slowing things down.n reality, the FHA process starts long before the loan application â or at least, it should. Here are the steps I recommend people take when applying for an FHA loan. 1. Set up a budget before talking to the lender.
Actually it should take a couple of days just from the particular time an underwriter receives a loan file to provide approval what you really refer to as an official approval.But if in case your file is having any problem related to credit score or any document related issue than it may take much time to approve.ink. 0. For getting an official approval for a loan would take 3 â 4 working days to be underwritten. Iâm talking about 3 -4 days only if all your documents are completed and fit according to the wants. Else, it would be a long procedure, as the process is going start away from a new end.