If all your documents are complete and accurate, it should only take 7-10 business days to complete your loan and issue the funds to your previous lender. If documents are incomplete or inaccurate, we will contact you and additional time will be needed to process your loan. After we receive and process your completed documents, we’ll send you a Welcome Letter indicating that the refinance process is complete. Do not delay because your approval is only good for 30 days and each day you wait, your payoff on your existing loan increases.