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Generally, the process of financing or refinancing your home loan takes a couple of weeks from application to closing but it is usually a good idea to allow about a month on purchases since there are so many factors that can cause the process to take longer. Financing raw land may take a little less. New construction financing can be approved in about the same amount of time, yet the actual construction usually takes about 6 months. All these programs require complete financial and property information, so it is essential that the mortgage loan application be as thorough as possible to avoid unnecessary delays.