Closing timelines

A typical 30–45 day escrow

Most purchases with financing run about 30 to 45 days from opening to close. Here's how the stages usually overlap:

• Days 1–3: Escrow opens, the deposit is received, and instructions go out
• Days 3–17: Inspections, disclosures, and contingencies
• Days 10–30: Loan processing, appraisal, and title work
• Days 25–40: Loan documents, signing, and final figures
• Days 30–45: Funding, recording, and close

These windows run alongside each other, not one after another. While your loan is in processing, title work and disclosures are usually moving at the same time.

What can move your closing date

A handful of things tend to set the pace. Knowing them ahead of time helps you keep your file on track.

• Financing: loan approval is often the longest single step. The faster your lender clears conditions, the sooner you sign.
• Appraisal: the lender's appraisal has to come back and support the price. A low appraisal or a delayed appointment can push the date out.
• Inspections and contingencies: repair requests, re-inspections, and contingency periods all add time before the deal can firm up.
• Title issues: an unexpected lien, a name that doesn't match, or an old loan that was never cleared has to be resolved before title can transfer.
• HOA documents: if the property is in an association, waiting on the HOA's documents and figures can hold up the final numbers.
• How fast everyone returns items: signed disclosures, requested documents, and your deposit all move the file forward only once they're in.

Cash vs. financed

A cash purchase usually closes faster than a financed one. With no loan to approve, you skip the appraisal, loan processing, and the lender's conditions, which are often the slowest parts of the timeline. A clean cash deal can close in as little as a week or two once title is clear.

A financed purchase has to wait on the lender. Even a well-prepared loan takes time to underwrite, document, and fund, which is why 30 to 45 days is the common range.

How we keep your file on schedule

Most delays come from items sitting unaddressed, not from the work itself. We track what's outstanding from the day the file opens and follow up with whoever has the next step, whether that's the lender, an agent, the title company, or you.

If something is going to push your date, you'll hear it from us early, with a plain explanation of what's holding things up and what it takes to clear it. If you're ever unsure where your file stands, call your escrow officer. A straight answer about your timeline is one of the things we're here for.