Why Some Closings Take Longer Than Expected

In today's market, it's common to hear buyers and sellers request a "two-week closing." While expedited closings are certainly possible, it's important to remember that a targeted closing date is often a goal—not a guarantee.

At True Blue Title, we've successfully closed cash transactions in as little as 7 business days, and many cash deals can close within 10 business days when all parties are responsive and the title is clear. However, several factors that impact closing timelines are outside the control of the title company, lender, buyer, seller, or Realtor.

Some of the most common causes of closing delays include:

Outstanding Liens

• Unpaid contractor liens
• Municipal code enforcement liens
• Open permits
• Judgments or other encumbrances discovered during the title search HOA & Condominium Estoppels

Delays in receiving estoppel certificates

1. Outstanding balances owed by sellers
2. Additional documentation required by associations

Title Issues

• Probate matters
• Missing heirs
• Ownership discrepancies
• Unreleased mortgages
• Errors in prior deeds

Buyer or Seller Documentation

• Delays obtaining required signatures
• Identification issues
• Estate or trust documentation
• Corporate authorization requirements
• Lender Requirements (Financed Transactions)

1. Final underwriting conditions

• Appraisal revisions
• Loan package preparation
• Funding approval

And of course, always call Amanda Tyler to discuss details and goals!

The key takeaway for buyers and sellers is simple:

A closing date should be viewed as a target date until all title, association, lender, and documentation requirements have been satisfied.

By setting proper expectations upfront, Realtors can reduce unnecessary stress, avoid last-minute surprises, and create a smoother closing experience for everyone involved.

At True Blue Title, we work proactively to identify potential issues as early as possible, communicate openly with all parties, and move every transaction toward the closing table as efficiently as circumstances allow.

For additional information on common title issues that can impact real estate transactions, be sure to review our accompanying blog article linked below.



True Blue Title
Creating a Luxury Closing Experience