Refinance & Renovate: Construction Services in Lynn, MA

⏳ How Long Does a Home Refinance Take? Here’s What You Should Know

Thinking about refinancing your home but worried about how long it’ll take? You’re not alone — many homeowners hesitate simply because they don’t know what to expect. In this quick guide, we’ll break it all down so you can make the move with confidence.

⏱️ So… How Long Does It Take?

On average, a home refinance in Massachusetts takes 30 to 45 days. Some move quicker, others a bit slower — but if you’re prepared, the process can fly by.

⚙️ What Can Delay Your Refinance?

Refinancing isn’t always smooth sailing. Here’s what can affect the timeline:

Loan Type: Cash-out refinances or FHA loans may take longer.
Home Appraisal: Scheduling and inspection delays are common.
Paperwork: Missing or incomplete documents slow everything down.
Title & Liens: Legal or property issues can halt your progress.

📋 Step-by-Step Timeline

Application: 1–3 days
Document submission: 1–2 days
Appraisal: 5–10 days
Underwriting: 7–14 days
Closing: 1–3 days

💡 Why Refinance Now?

Is your interest rate higher than 6%? Refinancing might save you thousands. Plus, many homeowners are using the opportunity to pull out equity for renovations and upgrades.

🏗️ Use Your Equity to Build Value — Instantly

At Ocean Comercio LLC, we help homeowners turn equity into beauty and function. Whether it’s upgrading your kitchen or finishing a basement, your renovation will increase both comfort and resale value.

Our services include: