How Long Does It Take to Get a VA Loan?

The Veterans Administration doesn’t have a minimum credit score requirement, but most lenders do. Find out how long it could take to get a VA loan .

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The Department of Veterans Affairs (VA) Home Loan Program is designed to help veterans and active duty service members finance the purchase of a home. VA loans are issued by private lenders and backed by the VA, making them a safe and affordable option for those who qualify.

For most borrowers, the biggest question is how long it will take to get a VA loan. The answer depends on a number of factors, including the type of loan you are applying for, your credit score and income, and the amount of money you need to borrow.

Here is a general overview of how long it takes to get a VA loan:

How long does it take to get a VA loan?

The Department of Veterans Affairs (VA) loan is a 100% financing option available to eligible veterans, service members and their spouses. The VA doesn’t issue loans, but guarantees them, making it easier for lenders to give veterans access to affordable financing. In most cases, you can expect the entire VA loan process to take between 30 and 45 days, depending on how quickly you can provide the required documentation and how fast the lender works.

How to speed up the process

There are a number of things you can do to speed up the process of getting a VA loan.

First, make sure you are familiar with the basics of the program and have all of your documentation in order.

Next, work with a lender who is experienced in VA loans and familiar with the process.

Finally, be prepared to provide any documentation requested by the lender in a timely manner.


It takes an average of 51 days to close on a VA loan. This is faster than the national average of 54 days for conventional loans and 63 days for FHA loans. While the timeline varies depending on the lender, here are the typical steps in the VA loan process:

1. Application: You and your lender will complete a standard loan application.
2. Appraisal: An appraiser will visit the home you’re buying to determine its value.
3. Credit check: The lender will pull your credit report to assess your financial history.
4. Income verification: The lender will need to verify your income and employment history.
5. Underwriting: The lender will review all of the above information to determine if you qualify for a VA loan.
6. Loan approval: If approved, you will receive a conditional loan commitment from the lender.
7. Loan closing: Once all conditions are met, you will close on the loan and officially become a homeowner!

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