Home Purchase Timeline
Your step-by-step guide to buying a home - from pre-approval to closing in 30-45 days.
GET PRE-APPROVEDTypical Timeline: 30-45 Days
From contract to closing, here's what to expect during your home purchase journey.
Contract Accepted
Your offer has been accepted! The purchase agreement is signed by both parties.
What Happens:
- Earnest money deposit submitted to escrow
- Escrow/title company opens file
- Formal loan application submitted
Due Diligence Period
Time to investigate the property and ensure everything is as expected.
Your Tasks:
- Schedule home inspection ($300-$500)
- Order appraisal through lender
- Review HOA documents (if applicable)
- Submit all required loan documentation
- Shop for homeowners insurance
Inspection & Appraisal
Professional inspection and appraisal are completed.
What Happens:
- Home inspection conducted (you should attend)
- Appraiser visits property
- Review inspection report with your agent
- Negotiate repairs or credits if needed
Underwriting Process
Your loan file is reviewed by the underwriter for final approval.
What Happens:
- Underwriter reviews all documentation
- Appraisal report reviewed
- Title search completed
- Respond to any underwriter conditions promptly
- Finalize homeowners insurance policy
Clear to Close
Final approval received! Your loan is cleared to close.
What Happens:
- Receive "Clear to Close" notification
- Closing date scheduled with title company
- Final loan documents prepared
- Schedule final walk-through
Closing Preparation
Final steps before closing day.
Your Tasks:
- Receive Closing Disclosure (review carefully!)
- Arrange wire transfer for closing costs
- Complete final walk-through
- Confirm utilities transfer date
- Gather required IDs and documents
CLOSING DAY! 🎉
The big day is here - you're about to become a homeowner!
What Happens:
- Sign all closing documents (1-2 hours)
- Pay closing costs via wire or cashier's check
- Receive keys to your new home!
- Deed recorded with county
- Celebrate - you're a homeowner!
Important Tips
Stay Responsive
Respond to lender requests within 24 hours. Delays in providing documentation can push back your closing date.
Don't Make Big Changes
Avoid changing jobs, opening new credit accounts, or making large purchases until after closing.
Keep Documents Organized
Maintain a folder (digital or physical) with all purchase-related documents for easy reference.
Plan Your Move
Start planning your move early. Book movers 2-3 weeks in advance, especially during peak season.
Ready to Start Your Home Buying Journey?
Get pre-approved today and start shopping with confidence.