The number of days from application to closing can vary from a few days to 20 or more days on a traditional residential real estate mortgage loan, depending on a number of factors. Some of the factors are loan type, whether an appraisal is needed, title clearance, etc. Time delays also occur and are often unforeseen, such as delays in appraisals, title snafus, credit problems, etc. The most important factor in ensuring a fast funding is to avoid delays between you and our office when exchanging information. Historically at our company, it's the customer or outside supplier/vendors who slow down the process.