I got the keys right after closing as we waited a few mins after the docs were signed for the loan to be funded.
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! 
So...did you close? 
My experience was the same as MovingForward's. I received my HUD from title company the same day that I was supposed to close. About 20 mins after I rec'd the HUD 1 from the title company, the lender also sent me a copy. I was looking at it on my phone and my agent looked at it on her tablet. 3 hours later we close and I got the keys after I signed the paperwork. My loan also funded as I was signing the paperwork. I heard the title rep ask if the lender had wired over the funds and they were in the process of doing that.
"Wet States", states that have "Wet Settlement" laws, require lending banks to disburse funds within a period of time. Depending on the states' Wet Settlement laws, some require the disbursement of funds to the sellers and other involved parties on the day of the settlement, others within 2 days of closing. Wet Settlement laws are in place to curb the bank practice of delaying funding after closing documents have been signed by the borrowers. All of the prior to funding conditions must be met in order for the lender to allow doc to go to closing in Wet States.
Table funding: This is when you close a loan in your company's name and immediately thereafter turn the loan over to a lender. That's the definition as per HUD, but this term is commonly used to describe disburement of funds immediately upon signing.
Starting Score: EX 575/TU 534/EQ 570
Congrats
@jwpezd wrote:
CLOSED WIRE SENT JUST WAITING ON REALTOR TO CALL SO WE CAN GO IN TO THE HOUSE!!!!!!! (We have keys)
We told you...didn't we tell you...we told you! 
Congrats!
Why do you have to wait for the realtor to go into the house if you have the keys and it's yours?
Congrats
Congrats, enjoy!!
