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You will first have to review your appraisal report when it comes in and acknowledge that you reviewed and received it. So that will be at least one more condition before clear to close. As long as your appraisal comes back fine, your file will be sent to the underwriter for final review and clear to close.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
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