How long does a refinance take in Washington?

A standard refinance in Washington typically closes in 20–45 days. Streamline refinances (VA IRRRL, FHA Streamline) can close faster — sometimes in 15–20 days — because they require less documentation and often no appraisal. Complex refinances involving cash-out, jumbo loans, or investment properties run on the longer end. Providing complete documents upfront and responding quickly to lender requests is the single biggest variable in controlling the timeline.