�� Mortgage Myth Busted: “VA Loan Take Forever to Close”
For years, one of the most persistent misconceptions in real estate and lending has been this:
“VA loans take forever to close.”
It’s a myth that has discouraged veterans, active-duty service members, and even real estate
agents from choosing one of the best loan programs available. But here’s the truth:
� VA loans do NOT take longer to close.
�� In many cases, they close just as fast — and sometime faster — than conventional or FHA
loans.
At Move South Real Estate and Elite Synergy Mortgage, we work with VA buyers every
week, and the reality is simple:
The speed of a VA loan depends on the lender — not the loan program.
Let’s break down the facts.
�� Where Did This Myth Come From?
Most of the stories about VA loans taking too long come from outdated experiences or lenders
who don’t specialize in VA guidelines.
The truth is:
The VA does not slow the process down.
They don’t personally underwrite the loan and they don’t approve or deny files. That’s the
lender’s job.
When delays DO happen, they usually trace back to:
❌ Lenders unfamiliar with VA documentation
❌ Poor communication between the lender, agent, and client
❌ Missing paperwork
❌ Incorrect expectations or misinformation
None of these issues are caused by the VA loan program itself.
⚡ VA Loans Can Close Quickly — Here’s Why
A well-handled VA loan file moves through the process just like any other mortgage. Today’s
lending technology and underwriting systems have made VA loans one of the smoothest
programs available.
With an experienced lender, VA loans typically close in:
� 21–30 days on average
— the same timeframe as conventional or FHA.
The key difference?
A lender who understands how to streamline the VA process.
⭐ The Benefits of VA Loans Are Too Good to Ignore
Many buyers are shocked when they realize what they’ve been missing out on because of this
myth.
VA loans offer:
● $0 down payment
● No private mortgage insurance (PMI)
● Flexible credit guidelines
● Competitive, often lower, interest rates
● Limits on closing costs to protect veterans
When handled properly, VA loans aren’t just fast —
they’re one of the most affordable and powerful financing options available.
�� Why Working With the Right Lender Matters
Not all lenders understand how to process VA loans efficiently.
That’s why choosing a loan officer with VA experience is essential.
At Elite Synergy Mortgage, we ensure:
● Fast, accurate pre-approvals
● Clear communication with agents
● Smooth appraisal and underwriting timelines
● Veteran-first customer service
● A closing process that stays on schedule
Pair that with the right agent at Move South Real Estate, and veterans get the seamless,
stress-free experience they deserve.
�� Final Takeaway
If you've been told a VA loan will slow down your purchase, remember this:
❌ The VA is not the cause of delays.
❌ VA loans do NOT take forever to close.
✔ With the right team, VA buyers close quickly and confidently.
If you’re a veteran or active-duty service member ready to buy a home — or just want to know
where you stand — reach out today.
Your benefits were earned.
Your homeownership journey doesn’t have to wait.
