{"id":49412,"date":"2021-03-18T16:54:14","date_gmt":"2021-03-18T23:54:14","guid":{"rendered":"https:\/\/www.movoto.com\/blog\/?p=49412"},"modified":"2022-04-27T11:30:00","modified_gmt":"2022-04-27T18:30:00","slug":"how-long-to-close-on-house","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/how-long-to-close-on-house\/","title":{"rendered":"Closing on a house: Make it go as smoothly as possible"},"content":{"rendered":"<h1><span style=\"font-weight: 400\">How long does it take to close on a house?<\/span><\/h1>\n<p><span style=\"font-weight: 400\">You pored over <\/span><a href=\"https:\/\/www.movoto.com\/blog\/why-should-you-use-a-mortgage-calculator-with-taxes-included\/\"><span style=\"font-weight: 400\">mortgage calculators<\/span><\/a><span style=\"font-weight: 400\">, budgeted, saved, researched, and visited more <\/span><a href=\"https:\/\/www.movoto.com\/sitemap\/open-houses\/?utm_source=movoto&amp;utm_medium=blog&amp;utm_campaign=article_link\"><span style=\"font-weight: 400\">open houses<\/span><\/a><span style=\"font-weight: 400\"> than you can count. You put in offers, negotiated, and finally got accepted for your dream home. Now comes the best part \u2014\u00a0<\/span><a href=\"https:\/\/www.movoto.com\/blog\/closing-costs-what-are-they-and-who-pays\/\"><span style=\"font-weight: 400\">closing<\/span><\/a><span style=\"font-weight: 400\">. You\u2019re just steps away from crossing the finish line to homeownership.\u00a0<\/span><br \/>\n<span style=\"font-weight: 400\">This day is too important to be delayed by any mistakes, so ensure that <\/span><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-closing\/\"><span style=\"font-weight: 400\">closing day<\/span><\/a><span style=\"font-weight: 400\"> goes off without any issues or delays by adhering to these tips.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Take Your Final Walkthrough<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Your <\/span><a href=\"https:\/\/www.movoto.com\/blog\/make-your-home-closing-go-as-smoothly-as-possible\/\"><span style=\"font-weight: 400\">final walkthrough<\/span><\/a><span style=\"font-weight: 400\"> should happen no more than 24 hours before your closing. This is your last opportunity to confirm that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">nothing has been added, removed, or changed since the inspection.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">the seller has completed all agreed-upon repairs.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">there are no new damages.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">the home is clean.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">any extras that were to be left in the home, such as appliances or patio furniture, are there.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">As you inspect the home one last time, be sure none of the seller\u2019s personal property has been left behind. Floors should be swept and carpets should be vacuumed. The bathrooms and kitchens should be spotless, including cabinet interiors and appliances.<\/span><br \/>\n<span style=\"font-weight: 400\">If there are issues, report them to your <\/span><a href=\"https:\/\/www.movoto.com\/agents\/?utm_source=movoto&amp;utm_medium=blog&amp;utm_campaign=article_link\"><span style=\"font-weight: 400\">real estate agent<\/span><\/a><span style=\"font-weight: 400\">. Once you sign the form saying you\u2019re satisfied with the walkthrough, you can\u2019t go back and change your mind. Some problems can be addressed quickly, such as a dirty refrigerator. However, other problems, like non-working appliances or unfinished repairs, may require that you push your closing date back.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Communicate with Your Team and Be Prepared<\/span><\/h2>\n<p><span style=\"font-weight: 400\">It\u2019s critical to know what to expect on closing day. Speak with everyone involved in the deal at least a week before your scheduled closing and check-in again the day before. This includes your <\/span><a href=\"https:\/\/www.movoto.com\/blog\/6-documents-you-need-for-a-mortgage-loan\/\"><span style=\"font-weight: 400\">mortgage broker<\/span><\/a><span style=\"font-weight: 400\">, <\/span><a href=\"https:\/\/www.movoto.com\/blog\/what-does-a-real-estate-agent-do\/\"><span style=\"font-weight: 400\">real estate agent<\/span><\/a><span style=\"font-weight: 400\">, and <\/span><a href=\"https:\/\/www.movoto.com\/blog\/understanding-your-deed-what-is-the-legal-description-of-property\/\"><span style=\"font-weight: 400\">real estate lawyer<\/span><\/a><span style=\"font-weight: 400\">. They will give you a detailed breakdown of what to expect, what you need to bring, and what forms of payment are accepted. Make sure they have everything they need from you in advance, that all <\/span><span style=\"font-weight: 400\">closing documents<\/span><span style=\"font-weight: 400\"> are ready, and that everyone has looked over their documents. Also, be sure that your agent has communicated with the seller and everyone is on the same page.<\/span><br \/>\n<span style=\"font-weight: 400\">Your closing will begin with reviewing and signing the documents. Then you will turn over the <\/span><a href=\"https:\/\/www.movoto.com\/blog\/closing-costs-what-are-they-and-who-pays\/\"><span style=\"font-weight: 400\">funds you owe<\/span><\/a><span style=\"font-weight: 400\">, which will be disbursed to the appropriate parties. Once the title is officially transferred to you, you\u2019ll receive your keys.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Review Your Loan Documents<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-49414\" src=\"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2021\/03\/blog-smooth-closing2.jpg\" alt=\"How long does it take to close on a house?\" width=\"744\" height=\"355\" \/><br \/>\n<span style=\"font-weight: 400\">Be sure that you personally review all documents before closing. The law states that you have the right to review the HUD-1 (the closing settlement statement) at least 24 hours prior to closing. Check this form against the good faith estimate given to you when you applied for your loan\u2014they should be the same. Talk with your lender about any discrepancies.<\/span><br \/>\n<span style=\"font-weight: 400\">This is the time to make sure there aren\u2019t any problems with your loan. Remember that once any documents are signed, it\u2019s too late to make changes. If you do find issues, there may still be time to get them straightened out before closing day. If not, you can reschedule the closing once the documentation is revised to your satisfaction.<\/span><br \/>\n<span style=\"font-weight: 400\">Pay attention to little details. Small items like misspelled names or incorrect addresses can delay a closing for days.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Know Who\u2019s Who<\/span><\/h2>\n<p><span style=\"font-weight: 400\">A <\/span><a href=\"https:\/\/www.movoto.com\/blog\/home-closing-a-guide-to-understanding-the-settlement-process\/\"><span style=\"font-weight: 400\">closing agent<\/span><\/a><span style=\"font-weight: 400\"> or escrow agent from the title company will be in charge of the closing. You can also expect your agent, your loan officer, and both of your real estate lawyers to attend. Depending on what state you\u2019re in, a lawyer will be required to be there. Sellers and their agents usually don\u2019t attend the closing.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Make a Checklist of Things to Bring to Closing<\/span><\/h2>\n<p><span style=\"font-weight: 400\">When you speak with your closing team, ask them exactly what you\u2019ll need to bring to the closing. While each state has different requirements, typically you\u2019ll only need to bring a valid photo ID, proof of insurance on the house, and certified funds for closing. Your agent will tell you if you need to get two separate checks for the <\/span><a href=\"https:\/\/www.movoto.com\/blog\/how-much-money-for-a-home-down-payment\/\"><span style=\"font-weight: 400\">down payment<\/span><\/a><span style=\"font-weight: 400\"> and the closing costs and who they need to be made out to. Make sure you have certified funds such as a cashier\u2019s check, money order, or wire transfer\u2014the bank will not accept a personal check.\u00a0<\/span><br \/>\n<span style=\"font-weight: 400\">Because most sellers don\u2019t attend the closing, they will provide your attorney with the loan payoff and final oil, electric, and water readings.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Avoid Back-to-Back Transactions<\/span><\/h2>\n<p><span style=\"font-weight: 400\">If at all possible, avoid back-to-back transactions, or <\/span><a href=\"https:\/\/www.movoto.com\/foundation\/buying-and-selling-homes-simultaneously-8-mistakes-to-avoid\/\"><span style=\"font-weight: 400\">concurrent closings<\/span><\/a><span style=\"font-weight: 400\">. If you are selling your current home before you purchase your new home, concurrent closings usually happen within two days of each other. If you have some leeway, try to schedule more time between the closings. If your first transaction is delayed because of an issue, your second transaction will also be delayed. Ideally, a week between closings would give you some peace of mind that the first transaction will be completely squared away before you buy.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Schedule Everything You Need to Move in Advance of Closing Date<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Although this last step won\u2019t affect your closing, it\u2019ll make everything that happens right after you close run more smoothly. Be sure to schedule everything that needs to be done several weeks before, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.movoto.com\/blog\/25-moving-tips-to-prepare-for-a-stress-free-move\/\"><span style=\"font-weight: 400\">Hiring movers<\/span><\/a><span style=\"font-weight: 400\"> or planning on getting friends and family together to help.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Cleaning out your old house.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Transferring utility services from your old home to your new home.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Calling the cable company to hook up cable.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Setting up an internet connection in your new home.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">If you follow these simple steps, you\u2019ll be set for a swift closing process that skirts any avoidable pitfalls. All that\u2019s left is for you to enjoy your new home.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How long does it take to close on a house? You pored over mortgage calculators, budgeted, saved, researched, and visited more open houses than you can count. You put in offers, negotiated, and finally got accepted for your dream home. Now comes the best part \u2014\u00a0closing. You\u2019re just steps away from crossing the finish line to homeownership.\u00a0 This day is too important to be delayed by any mistakes, so ensure that closing day goes off without any issues or delays by adhering to these tips.\u00a0 Take Your Final Walkthrough Your final walkthrough should happen no more than 24 hours before [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":49413,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[167,63,220],"tags":[49,161,176,157,75,111,182,85,86,119,69],"class_list":["post-49412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-basics","category-finance","category-moving","tag-buying-a-home","tag-closing","tag-down-payment","tag-equity","tag-fha-loan","tag-mortgage","tag-mortgage-calculator","tag-mortgage-loan","tag-mortgage-rates","tag-professional-movers","tag-working-with-agents","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Closing on a house: Make it go as smoothly as possible<\/title>\n<meta name=\"description\" content=\"Follow these 7 easy tips to know how long it takes to close on a house for a happy and smooth 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