How Long Does It Take to Get Pre-Approved?
- The Mortgage Nerd
- Nov 17, 2025
- 1 min read
Pre-Approval Doesn’t Have to Be Slow
Most buyers think pre-approval takes days. It can be fast, but the quality of the pre-approval matters.
Speed Options
Instant/online pre-approval: minutes
Full lender-reviewed pre-approval: a few hours to one business day
Why Faster Isn’t Always Better
Agents and sellers trust pre-approvals reviewed by actual underwriters.
A strong pre-approval verifies:
Income
Credit
Assets
Potential issues
This makes your offer more competitive and your closing smoother.
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