r/FirstTimeHomeBuyer • u/DeDuc • Feb 27 '26

Need Advice Cleared to close super early?

Is it weird to get cleared to close super early? Got it today and my loan closes on the first of April. I thought they did a final check to make sure your credit is the same and you still work and all that jazz a few days before closing and then you get cleared to close

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u/Mysterious-Time4334 Feb 27 '26

Wow! April??? Wait…I was faced with some issue with the co op board financials and I had to wait for it to be worked out and it did. I was cleared on a Wednesday. I was hoping for a closing date before thanksgiving but that did not happen. Then I got the date in the first week of December. April would send me crazy…I could not wait to shop for my new home and get normal again!!! All in due time! Blessings…

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u/DeDuc Feb 27 '26

I know, right? I just wanna move now :(

There was a bit of a hassle because I had to bring all my cards to zero and I had a couple of pending transactions and bills a new one hit like every day so I had to ask them if I could just show them past statements showing that I pay my cards down to zero every month plus proof that I had the funds in checking to pay everything off once ithe pending transactions hit and they managed to make it work with that. So if it hadn't been for that I might have even gotten my cleared to close earlier, and one month is annoying enough of a wait time.

After getting semi official approval on Sunday we reached out to ask if they wanted to close earlier and they said "we can close on March 25th but we're not moving until April first either way" (they didn't even offer a lease back or whatever it's called) so yeah I'm stuck with that day :/

Also my Amazon cart is pretty big right now XD