⏳ 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:
- Luxury Additions & Remodels
- Full Basement Finishing
- Custom Kitchens & Bathrooms
- Painting, Flooring, Roofing, and More
📍 Serving Lynn, MA and surrounding areas with pride. Let’s bring your home’s full potential to life.
🏠 Looking to renovate your home?
We’re actively accepting new clients in Lynn, MA and nearby cities.
📞 Get Your Free Estimate Today
📞 Contact Ocean Comercio LLC
Website: construction.comercio.help
Email: ocean@comercio.help
Phone: (781) 658-7248
✨ Bonus: Explore our exclusive wall art and home décor collection at comercio.help