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How long does it take ?

Valued Member

How long does it take ?

We are in underwriting and got a conditional approval. We have sent everything they needed and are expecting an answer any day now. (I hope because I am climbing the walls here !) If thye tell us we are "clear to close" how long does it usuallu take to have the actual closing ?

EQ 678 FICO on 2/4/13 EX FAKO (Quizzle) 639 on 2/8/13
TU FAKO (CK) 627 on 2/8/13 EX FAKO CS 737 on 2/15/13
Lender Pull 02/21/13 TU 684 EXP 730 EQ 678
SW alert on 02/22/13 EQ 688
Lender Pull (New car) 10/05/13 761
11 REPLIES
Established Member

ng would take minimum 3.5 daysRe: How long does it take ?

Closing would take about a minimum of 3-5 days on up side and 2 weeks on the down.

Valued Contributor

Re: ng would take minimum 3.5 daysRe: How long does it take ?

I think you can close the same or next day after clear to close. It is as fast as getting the paperwork together at the title company.

Regular Contributor

Re: ng would take minimum 3.5 daysRe: How long does it take ?

We had clear to close on Thursday, had docs ready to sign on Friday but we were not available that day, so closed today.




In The Garden Until 11/01/15 - Last App 11/03/13
Valued Member

Re: ng would take minimum 3.5 daysRe: How long does it take ?

Thanks everyone for your answers. And to cclee- CONGRATULATIONS !!!

EQ 678 FICO on 2/4/13 EX FAKO (Quizzle) 639 on 2/8/13
TU FAKO (CK) 627 on 2/8/13 EX FAKO CS 737 on 2/15/13
Lender Pull 02/21/13 TU 684 EXP 730 EQ 678
SW alert on 02/22/13 EQ 688
Lender Pull (New car) 10/05/13 761
Regular Contributor

Re: ng would take minimum 3.5 daysRe: How long does it take ?

Is there a time limit on how long you have to close.  If you get clear to close today do you have a certain number of days you have to close by before that expires?  

 

 


Starting Score: 553
Current Score: 710
Goal Score: 659


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8/18/2012 Lender Pull:
EX:659
EQ: 553
TU: 520
Goal: 659
Valued Member

Re: ng would take minimum 3.5 daysRe: How long does it take ?

the financing contingency (21 days) ends tomorrow. Well, it was 21 days from 02/25 but we did not get the signed contract back until the 26th. So I am assuming the 21 days ends tomorrow not today. Our contract says we should close no later then 04/13. They are in a hurry (sllers) and so are we so if we can get a clear to close I think it would be before 04/13.

EQ 678 FICO on 2/4/13 EX FAKO (Quizzle) 639 on 2/8/13
TU FAKO (CK) 627 on 2/8/13 EX FAKO CS 737 on 2/15/13
Lender Pull 02/21/13 TU 684 EXP 730 EQ 678
SW alert on 02/22/13 EQ 688
Lender Pull (New car) 10/05/13 761
Valued Contributor

Re: How long does it take ?

I got clear to close and closed on the same day.
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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Member

Re: How long does it take ?

It looks like we are going to clos eon Tuesday the 26th. Smiley Happy

EQ 678 FICO on 2/4/13 EX FAKO (Quizzle) 639 on 2/8/13
TU FAKO (CK) 627 on 2/8/13 EX FAKO CS 737 on 2/15/13
Lender Pull 02/21/13 TU 684 EXP 730 EQ 678
SW alert on 02/22/13 EQ 688
Lender Pull (New car) 10/05/13 761
Valued Contributor

Re: How long does it take ?

That's wonderful! Congrats!!! Smiley Happy
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! Smiley Happy Last App: 4/5/13 Gardening until July 2014