Typical contract-to-close timing on a conventional loan, 21 vs 45 days, and calendar risks. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Conventional Loans
Closing Timeline
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.
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
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Share your contract timeline with Ryan or Steve — we will build a conventional closing plan that fits the date.