Why Mortgage Closings Get Delayed

The causes behind most late closings, and the ones you can prevent yourself.

The short answer

Most delays trace back to five things: late or incomplete documents, appraisal timing or a low value, undisclosed debts or new credit inquiries, title and HOA issues, and last-minute changes to income or employment. Responding to condition requests within 24 hours is the single most effective way to keep a closing date intact.

Key things to know

  • Return underwriting conditions within 24 hours
  • Do not open new credit or make large deposits mid-process
  • Order homeowners insurance early
  • Watch for HOA documents and title curative items
  • Report any job or income change immediately

    • Read the full guide

    Why Mortgage Closings Get Delayed — and How to Close On Time

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