What closing is
Closing is when ownership transfers: you sign the deed and loan docs, funds change hands, and the title company records the transfer. Buyers bring ID and certified funds as instructed. Sellers clear liens and hand over keys per the agreement. Possession day is whatever you negotiated, not always the same afternoon.
Final walkthrough
Buyers should walk the property shortly before closing. Confirm agreed repairs, that the place is in the expected condition, and that nothing major broke since inspection. If something's wrong, tell your agent immediately. Don't wait until you're at the signing table.
Title and why insurance matters
Title work checks for liens, errors, and ownership issues. Title insurance protects against covered defects that slip through. Most issues can be fixed before closing if you catch them early; big ones can delay the date until they're cleared.
What can slow you down
- Loan underwriting conditions that aren't cleared
- Appraisal gaps or last-minute financing changes
- Title defects or unpaid liens
- Repair disputes after walkthrough
- Missing IDs, wire instructions, or signed documents
Costs and timing
From contract to close often runs about 30-45 days, sometimes longer. Buyers should review the Closing Disclosure when it arrives and ask about anything unclear. Seller costs often include commission and prorations; buyer costs include lender fees, title, and prepaid items. Your estimate shouldn't be a mystery on signing day.
Why your agent still matters here
Sonya coordinates lender, title, and the other side so you aren't chasing five people alone. She'll flag problems early and keep the timeline honest. That's the difference between a clean close and a scramble.