There are many factors that go into what is possible, but by law, we can’t close a loan in anything under 8 days. In a normal market, it is typical that a loan would take roughly 30 days. In busier markets, 3 weeks is the norm. Jumbo and USDA loans generally take about 45 days, but most loans can be rushed when needed. If someone needs a loan done quickly, they may incur additional rush fees for an appraisal that needs to be finished before the normal timeframe.