What is clear to close?
Clear to close means underwriting has approved everything and your loan is ready for the closing table. All conditions are satisfied and the closing documents can be prepared.
After clear-to-close, you'll get your Closing Disclosure and schedule signing. It's the final green light. We push your file to clear-to-close as fast as your documents allow.
The final green light
Clear to close means the underwriter has approved your loan and all conditions are met. Nothing else stands between you and signing. The closing agent can now schedule your appointment.
It is the milestone every buyer waits for. Once you are clear to close, your keys are days away.
What happens next
After clear to close, you receive your closing disclosure at least three business days before signing. You review the final numbers, arrange your cash to close, and show up to sign.
We tell you the moment you are cleared and prep you for the table. Apply now and we will get you to clear to close as smoothly as possible.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.