Quick Summary: Most home purchases in West Palm Beach close in about 25–35 days, moving through contract signing, inspections, appraisal, underwriting, and the final “clear to close.” Timelines can speed up when buyers submit documents quickly and choose a responsive lender like CTC Mortgage. Delays typically come from condo/HOA reviews, insurance verification, title issues, or slow appraisal scheduling—especially in certain parts of Palm Beach County. Understanding each step helps you prepare, stay ahead, and avoid surprises.

The West Palm Beach Closing Timeline: Week‑by‑Week

Once you’re under contract, the countdown to closing begins. Here’s the typical workflow for Palm Beach County buyers working with CTC Mortgage in West Palm Beach.

Week 1: Contract, Loan Application & Initial Disclosures

• Sign your purchase contract and share it with your lender and title company.
• Formally complete your mortgage application and upload initial documents.
• Receive and e‑sign your Loan Estimate and initial disclosures.
• Schedule your home inspection immediately (especially important for older Florida properties).

Week 2: Inspections, Appraisal Order & Early Underwriting Review

• Conduct your home inspection and negotiate repairs if needed.
• CTC Mortgage orders the appraisal through an independent appraisal management company.
• Underwriting begins reviewing your income, assets, employment, and credit.
• For condos, your lender requests HOA documents, questionnaires, and insurance certificates—common sources of delays in Palm Beach County.

Week 3: Appraisal Delivery, Conditions, & HOA/Condo Review

• The appraisal is usually completed during this week, depending on appraiser availability.
• Your lender reviews the appraisal to confirm value and property eligibility.
• Underwriting issues a list of “conditions,” such as updated pay stubs, bank statements, LOEs, or clarification on deposits.
• Condo buyers may experience extended review times depending on the HOA’s responsiveness and financial documentation.

Week 4: Final Underwriting, Title Work & “Clear to Close”

• Submit all final underwriting conditions as quickly as possible.
• Lender verifies insurance, title commitment, wire instructions, and any last contract updates.
• Once all conditions are satisfied, you receive the official Clear to Close.
• The Closing Disclosure (CD) is issued—borrowers must review and acknowledge it at least 3 days before closing.

Closing Week: Scheduling, Final Walk‑Through & Signing

• Schedule your closing with the title company (in person or remote, depending on availability).
• Complete your final walk‑through to confirm the home is in agreed‑upon condition.
• Bring your required ID and confirm your wire transfer instructions directly with the title company.
• Sign final documents and receive your keys—welcome home!

What Can Speed Up Your Closing?

• Submitting all documents quickly
• Choosing a responsive West Palm Beach lender like CTC Mortgage
• Ordering your home inspection immediately
• Providing insurance quotes early
• Staying available for appraisal scheduling

What Can Slow Down Closing?

• Delayed condo questionnaires or HOA financials
• Title issues or probate complications
• Appraiser scheduling backlogs during peak seasons
• Large unexplained bank deposits or missing financial documents
• Insurance challenges—common with older roofs or coastal properties

Screenshot‑Friendly Checklist: Mortgage Closing Steps

Use this guide to stay on track from contract to closing in Palm Beach County.

✔ Submit signed contract to lender & title company

✔ Complete loan application and upload documents

✔ Schedule home inspection

✔ Appraisal ordered by lender

✔ Underwriting review begins

✔ Condo/HOA documents requested (if applicable)

✔ Receive appraisal report

✔ Submit underwriting conditions

✔ Insurance finalized

✔ Title cleared

✔ Receive “Clear to Close”

✔ Review & acknowledge Closing Disclosure (CD)

✔ Complete final walk-through

✔ Attend closing and receive keys

Preparing for Your Mortgage in West Palm Beach

Buyers can get ahead by reviewing loan options and monthly payments early. Explore program details and resources on our home purchase loans page or visit our dedicated West Palm Beach mortgage hub.

Start Your Path to Closing with CTC Mortgage

If you're preparing to buy in West Palm Beach or anywhere in Palm Beach County, our team provides clear communication, fast underwriting, and hands‑on support through every step of your closing timeline. Contact us today to begin your mortgage approval and get ready for a smooth closing.