VA lenders generally rely on an “Automated Underwriting System,” or AUS, to determine a buyer's preapproval status. ... In those cases, lenders may consider a “manual underwrite,” which is a more involved process that typically utilizes more stringent requirements.

Who does underwriting for VA loans?

The underwriter is the person at the VA lender's office that determines whether or not your loan application complies with VA lending guidelines. During the underwriting process, the underwriter may need clarification on specific parts of a file or ask that the file be updated.

How long does underwriting take on a VA loan?

The underwriting process usually takes at least a few weeks. If your loan needs to be manually underwritten, it will typically take a bit longer due to the extra work required. According to the latest data from ICE Mortgage Technology, it takes about 61 days for a VA loan to close.