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Closing Timeline

From the day you get your accepted contract on your listing to the day you walk away from the closing-table, unencumbered, takes between 45 and 60 days. 

It used to take 30 days

That was before the housing market crash when a lender could approve, underwrite and close a home, lickedy-split. But today, with new lender disclosure requirements, closing document review legislation and cooling off periods, it's virtually impossible to close a financed home in under 45 days. 

That's actually not too horrible, considering 12 of these days are weekends. In around 30 business days, your lender, title agent, home inspector, repairmen, buyers, and realtors have to coordinate an extravagant dance in order to get your home closed, and many times they are still coordinating final items down to the last minutes before closing.

Cash Can Speed Things Up

If your buyer is paying cash, this timeline can be significantly-reduced, to 15 days or less. Without lender processing timeline, you're essentially relying on title agents, inspectors and repairmen to get through their lists of work before your home can close. 

But you shouldn't count on the closing process taking less than 45 days, in most cases. After all, perfection takes time!

Contact your HomeProp agent to get an accurate estimate of your contract-to-closing timeline.

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5470 East Busch Blvd, Suite 452
Temple Terrace, FL 33637
813.853.0363

 

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