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How Long to Process an FHA Mortgage?

how to process fha loans

It takes several weeks to process an FHA loan application and get to closing.

The Basics

FHA loans help borrowers get financing, especially in tough economic times. They require a 3.5 percent down payment on purchases and minimal equity on refinances. Lenders follow FHA guidelines to gain insurance endorsement. Its guidelines tend to be more flexible than conventional loan rules, allowing borrowers with credit challenges and moderate incomes to qualify more easily. An FHA lender may underwrite, or review the loan application and supporting documents, in-house or send the paperwork to the FHA for processing. Most lenders underwrite in-house to save time.


The length of the FHA loan origination process can vary by several weeks depending on the lender, applicant volume and the complexity of an individual borrower's file. For instance, lender turn times are slower in markets

with low interest rates and a high demand for purchase and refinance loans. Credit issues, such as collections that need to be paid off before closing, can delay the loan, as well as property defects that prevent the home from passing the FHA appraisal.

Specific Turn-Times

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