Guide
The mortgage closing timeline
Most home purchases close in about three to six weeks after an offer is accepted. Here is what happens in that window, and who handles each part.
After your offer is accepted
The clock starts when the seller accepts your offer. You put down earnest money, and you formally apply for your mortgage with your loan officer. This is the right moment to confirm that loan officer is licensed: get their NMLS number and check it before you hand over documents and pay for an appraisal.
Weeks 1 to 2: application and disclosures
Within three business days of your application, the lender must send you a Loan Estimate showing your rate, monthly payment, and closing costs. You will decide whether to lock your rate, and you will start sending documents: pay stubs, bank statements, tax returns. Read the Loan Estimate carefully and ask your loan officer to explain anything that is unclear.
Weeks 2 to 4: processing, appraisal, and title
An underwriter reviews your file while an appraiser confirms the home's value. A title company runs a title search to make sure the seller can legally sell. Near the end, a closing or settlement agent, often a notary, prepares the documents you will sign. More people are involved now than just your loan officer.
Closing day
At least three business days before closing you receive the Closing Disclosure. Compare it to your Loan Estimate; the numbers should be close. At the table, a notary or signing agent walks you through the paperwork. Your loan officer's work is mostly done by this point, which is exactly why verifying them early matters.
Frequently asked questions
How long does closing take?
Most purchases close in three to six weeks after an accepted offer. Cash purchases and well-prepared files can move faster; appraisal or document delays can push it longer.
Who do I verify, and when?
Verify your loan officer's NMLS license at the very start, before paying for an appraisal or sending documents. You can also confirm the title company and the notary at closing.
What is the Closing Disclosure?
A final statement of your loan's terms and costs, sent at least three business days before closing so you can compare it to your original Loan Estimate.
Homebuyer due diligence
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