Most conventional purchase loans close in about 21–45 days from an accepted contract, depending on appraisal, title, underwriting conditions, and how quickly everyone responds. Refinance timelines can be similar, with a required closing-disclosure waiting period before signing.
Closing day is the finish line of several parallel workstreams.
Shop with a verified conventional pre-approval already in hand.
Open title/escrow and issue initial loan disclosures.
Value the property while the credit file is reviewed.
All conditions satisfied; Closing Disclosure issued.
Sign documents, fund the loan, and record the deed.
The calendar is flexible until dependencies slip.
Do these immediately after going under contract.
We track loan, title, and appraisal dates as one timeline.
Step 1
Appraisal, underwriting, and CD dates first.
Step 2
Do not wait until the final week.
Step 3
Keep settlement and insurance in sync.
Step 4
Lock the signing slot only when the file is ready.
Related guides to help you compare options and move toward pre-approval.
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Possible on simple files with a fast appraisal and complete docs, but it is aggressive. Build margin when you can.
Federal rules generally require the CD at least three business days before consummation so you can review final terms.
Not always. Purchases depend on sellers and appraisals; refinances depend on title, appraisal, and your responsiveness.
We communicate early, negotiate extensions if needed, and prioritize the conditions blocking clear-to-close.
Share your contract timeline with Ryan or Steve — we will build a conventional closing plan that fits the date.