How Long Does It Take to Close on a Home in Collin County?
The short answer
Many purchases close in about 30 to 45 days from the signed contract, though it depends on the loan type, the appraisal and how fast documents come in. A well-prepared buyer can often move faster.
The timeline
Contract signed. Earnest money goes to the title company.
Loan application and disclosures. We lock your rate if you choose.
Appraisal and inspection. The appraisal is ordered and the home inspection takes place during the option period.
Underwriting. The lender reviews your file and may ask for more documents.
Clear to close. Final numbers are issued.
Closing. You sign, fund and get the keys.
How to keep it moving
Send documents quickly.
Do not open new credit or make large unexplained deposits.
Do not change jobs without talking to us first.
Keep your phone on. Underwriters ask questions.
Frequently asked questions
Can a loan close faster than 30 days?
Sometimes, if everything lines up. We plan the schedule around your contract dates from day one.
Under contract or about to be? Call (469) 414-5554 or visit mohavemortgages.net.
By Kelly Welton, Mortgage Broker (NMLS #314183), Mohave Mortgage Texas Branch. Mohave Mortgage NMLS #1830581 · Texas Branch NMLS #2690682 · Equal Housing Opportunity. General information only, not a commitment to lend or financial advice. Timelines vary.
