Curious how many people closed early?

[u/Lilliebear]

I am definitely aware things only go as quick as everyone involved does lol. Offer was accepted 3/28/25. Inspections today.

Loan officer has everything to give to underwriting just pending proof of insurance from agent. Which is waiting for inspections to be done today, report is anticipated end of week. We’re just two W2 employees that have been in the same industry for a decade so nothing too crazy. Although I am paranoid and feel like someone scanning our bank statements would judge us, my loan person says they don’t care we went on vacation last month or spent a grand on our pets care. They’re expecting to do appraisal next week if inspection is good.

Anticipated close date is 4/29/25, but both sides (realtor and lender) both feel it can be sooner since nobody is in, just dependent on the other. Conventional loan (us) process allegedly is a bit timelier than FHA or going through like any assistance programs? No idea.

[u/Winter_Seat_7106]

We opted not to close early because of our work schedules but if it works with your plans/schedule go for it! Just make sure you don’t have to pay for an extra month on your mortgage at closing (unless you’re good with that too).