Buyer education
Offer accepted.
Now what happens next.
Once your offer is accepted, a 30-45 day sequence begins. Here is what happens, roughly when, and what you need to do at each stage - the cleaner your file and the faster you respond, the smoother the ride.
Offer Accepted
Contract is signed. Notify us immediately - we lock your rate and issue initial disclosures within 3 business days, a federal requirement.
Day 0Earnest Money + Inspection
Earnest money is delivered to escrow. Schedule your inspection immediately - good inspectors book fast, and results may support a repair request or price talk.
Week 1Appraisal Ordered
We order an independent appraisal. The appraiser visits, then delivers a written value opinion. If value comes in below purchase price, we work through the options together.
Weeks 1-2Underwriting
Your complete file goes to underwriting - a deep review of credit, income, assets, employment, and the property. Most files receive conditions to clear.
Weeks 2-3Conditions + Clear to Close
We gather and submit every item the underwriter requested. When all conditions are satisfied, the underwriter issues a "Clear to Close" - the green light.
Weeks 3-4Final Walkthrough + Closing Day
Review your Closing Disclosure at least 3 business days before closing. Do your final walkthrough, wire funds after verifying instructions by phone, then sign and get the keys.
Days 28-30The single biggest lever you control over how smoothly this goes.
Respond fast
A 24-hour turnaround on condition requests keeps your file at the top of the queue.
Touch nothing financial
No new credit, no large undocumented deposits, no job changes.
Schedule utilities
Set up service to start on closing day - the one forward task that does not touch your credit.
Want your personalized roadmap?
Scan the code or reach out. We walk through your specific timeline, pre-approval, and what to expect every step of the way - free, no obligation.