The closing process, from every desk
What delays a closing, and how to avoid each one
By Lorrie Haran, Mortgage Loan Officer · NMLS #1333991 · October 7, 2026
Most closings are delayed by a short list of preventable causes: documents sent late or incomplete, slow answers to underwriting questions, an appraisal that comes in low, title issues, insurance not in place, and changes to your job, credit, or bank balances. Sending everything early and answering quickly prevents most of them.
1. Documents that arrive late or incomplete
Underwriting cannot move without a full set of documents. A missing page of a bank statement can cost days. Fix: send everything at the start, complete, and keep recent statements ready.
2. Slow answers to underwriting questions
Conditions are normal, and each one waits on you. Fix: respond within a day, and ask your loan officer if you are unsure what is needed.
3. A low appraisal
If the appraisal comes in below the contract price, the loan amount can change. Fix: talk with your agent and loan officer immediately about options.
4. Title issues
Title companies sometimes find liens or ownership questions that need to be cleared. Fix: stay in touch with the title company and respond quickly to requests.
5. Homeowner's insurance not in place
Lenders need proof of insurance before closing. Fix: shop for a policy early and send the details to your lender and title company.
6. Changes to your financial picture
A new job, a new credit card, a car loan, or a big transfer between accounts can reopen underwriting. Fix: hold steady until the keys are in your hand.
7. Closing Disclosure timing
Federal rules require you to receive the Closing Disclosure at least three business days before closing. If key numbers change, the clock can restart. Fix: review it promptly and flag questions early.
Plan around it
Build a timeline from your contract date so you know when each step is due. The 21-day closing planner shows each milestone and the date your Closing Disclosure should arrive.
For the full sequence, see what happens between contract and closing.
Common questions
What should I avoid doing before closing?
Avoid changing jobs, applying for new credit, making large purchases, or moving money without telling your loan officer. These can trigger a new review of your file.
What if the appraisal comes in below the price?
You have options, such as renegotiating the price, bringing more cash, or challenging the appraisal. Talk with your agent and loan officer right away.