How long does USDA loan approval take?

Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker

USDA loans take about 30 to 45 days, sometimes slightly longer than conventional because the file gets a final sign-off from the USDA after the lender's underwriting. Timing varies with USDA workload.

We submit a complete file and order the appraisal early to keep things moving, and we set your contract dates with the USDA step in mind so closing stays on track.