"Clear to Close" Determination

[Phitor]

We are now one week from the closing date. After some back and forths with my lender and my title company/attorney, my attorney now states that the next step in the process is my lender's determination that I am "clear to close".

What exactly does this entail, and how long should I expect this to take? Thanks...

[techgirl]

Until it is funded and you have signed the docs..... I guess you are done  with the underwriting?  Why is it a good idea to get an attorney - do they work with the LO?

[Phitor]

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@techgirl wrote:

Until it is funded and you have signed the docs..... I guess you are done  with the underwriting?  Why is it a good idea to get an attorney - do they work with the LO?

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I had assumed I was done with underwriting weeks ago. I thought "clear to close" had meant that they verified employment and possibly repulled credit, but I didn't know what else might be involved. We are a week away, so I was hoping to get the final green light today. If it winds up spilling into next week, that's cutting it kind of close, but I didn't know if that timeline was normal.

Some processes require an attorney (title search, property tax statement, etc.). I happen to have a separate title attorney and closing attorney, because my lender would allow me to choose my own of the former, but forced me to use their closing attorney. A lot of red tape in this process...

[techgirl]

I am still be  looked at through a microscope. Closing was supposed to take place  6/12. I sent an big explanation letter this morning and now I am sitting and waiting.... I did walk though yesterday. I live in AZ so I wonder if things are different here... I just thought I would have known by now. My LO had my file since January.... and now I am haivng to jump through lots of hoops.... I didn't have an attorney, the homebuilder identified the Title Company as well as the LO....