Guide
The Closing Process
From accepted offer to keys in hand — here's exactly what happens and when.
Day 1–3
Loan Application & Disclosures
Within 3 business days of your application, your lender must provide a Loan Estimate detailing your rate, monthly payment, and estimated closing costs. Review it carefully and ask questions.
Day 1–10
Home Inspection
Hire a licensed inspector to evaluate the property. This is your opportunity to identify issues before you're committed. Negotiate repairs or credits with the seller based on the findings.
Day 5–15
Appraisal
Your lender orders an appraisal to confirm the home's value supports the loan amount. If the appraisal comes in low, you may need to renegotiate the price or bring additional cash to closing.
Day 10–25
Underwriting
The lender's underwriter reviews your complete file — income, assets, credit, appraisal, title. They may issue conditions (additional documents needed). Respond quickly to keep things moving.
Day 20–30
Clear to Close
Once all conditions are satisfied, the underwriter issues a 'Clear to Close.' Your lender will schedule the closing date and coordinate with the title company.
3 Days Before
Closing Disclosure
You'll receive a Closing Disclosure at least 3 business days before closing. Compare it to your Loan Estimate. The numbers should be close — contact your lender immediately if anything looks different.
Day Before
Final Walkthrough
Do a final walkthrough of the property to confirm it's in the agreed-upon condition and any negotiated repairs have been completed.
Closing Day
Sign & Get Your Keys
Bring a government-issued photo ID and your payment (cashier's check or wire transfer) for closing costs and down payment. You'll sign a stack of documents. Once funded, the keys are yours.
What Are Closing Costs?
Closing costs typically run 2%–5% of the loan amount and include lender fees, title insurance, prepaid interest, property taxes, and homeowners insurance. Your Loan Estimate and Closing Disclosure will itemize every charge.
Questions About the Closing Process?
Our loan officers walk you through every step. No surprises, no confusion — just a smooth close.
Talk to a Loan Officer