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06Guide · 4 min read

Closing is the least mysterious part of buying a home once someone explains it. Here is the sequence, so the biggest signature of your life feels like a formality instead of a cliffhanger.

Clear to close

Underwriting has signed off on everything. Jordan tells you the moment this happens, and your Closing Disclosure — the final, official version of your numbers — is delivered at least three business days before closing by law.

Compare the Closing Disclosure to the Loan Estimate

They should match closely. If anything looks different, ask Jordan before closing day, not at the table.

Wire the cash to close safely

Wire fraud is real. Confirm wiring instructions by calling the title company at a number you looked up independently — never one from an email. Jordan and your agent will remind you, because it matters.

Final walkthrough

Usually the day before or morning of closing: confirm the home is in the condition you agreed to and any negotiated repairs are done.

At the table

You will sign the note, the mortgage, and a stack of disclosures. Bring your ID. It takes about an hour. Then the lender funds, the county records, and the keys are yours.

Jordan · Loan Officer
we got clear to close!! what do we do now?
Celebrate for one minute, then: check the Closing Disclosure against your Loan Estimate, call the title company to verify the wire, and schedule your walkthrough. I will be at the closing with you.

Quick answers

What is a Closing Disclosure?

The final, legally required statement of your loan terms and closing costs, delivered at least three business days before closing so you can review it against your Loan Estimate.

How long does closing take?

Signing typically takes about an hour. The full timeline from accepted offer to closing is commonly 30–45 days depending on the contract, appraisal and underwriting.

How do I avoid wire fraud when buying a house?

Verify wiring instructions by phone using a number you found independently (not from an email), never change instructions based on an email, and confirm receipt with the title company.

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