Family in front of their Colorado home after completing a mortgage refinance process

If you’re thinking about refinancing, one of the first questions you may have is “How long does the mortgage refinance process take in Colorado?” The short answer: most refinances in Colorado close in about 30 to 45 days. But your timeline may be shorter or longer depending on the type of loan, your documentation, and how quickly the appraisal and underwriting are completed.

What Affects the Refinance Timeline?

Several factors determine how fast (or slow) your refinance moves:

  • Loan Type – Streamline Refinances and Conventional refinances often close the fastest. FHA, VA, and USDA loans may require extra steps.
  • Appraisal Requirements – If an appraisal is needed, scheduling and completing it can add a week or more. Some borrowers may qualify for an appraisal waiver, which speeds things up.
  • Documentation – Providing pay stubs, W-2s, bank statements, and insurance info promptly keeps your file moving.
  • Lender Capacity – When interest rates drop and refinancing surges, lenders may take longer simply due to volume.
  • Title & Closing – Title searches, payoff requests, and closing schedules also play a role in timing.

Typical Colorado Refinance Timeline

Here’s what most homeowners can expect:

  • Application & Disclosures: 1–3 days
  • Appraisal: 1 week (simultaneous to processing & underwriting)
  • Processing: 1-2 days
  • Underwriting: 2-3 days
  • Closing: Usually scheduled within a week of final approval

In total, that’s 30–45 days on average, although some refinances in Centennial, Denver, Parker, Castle Rock, and throughout Colorado can close in as little as two weeks when everything is lined up.

How to Speed Up Your Refinance

  • Have your documents ready to go at the start.
  • Respond quickly to requests from your loan officer.
  • Ask if you qualify for an appraisal waiver.
  • Work with a local Colorado lender like Choice Mortgage Group who processes and underwrites loans in-house.

Helpful Resources

Final Thoughts

Every refinance situation is unique, but knowing the typical timelines and what can affect them helps set the right expectations. If you’re considering a refinance in Colorado, my team is here to guide you through the process from start to finish.

Call us at 303-670-0137, email us at rbaxter@choicemortgage.com, or stop by our office at 9200 E Mineral Ave #100, Centennial, CO 80112. We’re here to make your refinance smooth and stress-free.

Posted in Blog, Mortgage Refinance, Uncategorized