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I’ve signed everything, where are my keys?
When do I get my keys?Closing on an Arizona Real Estate transaction can be confusing, especially for First Time Buyers and out of state Buyers.  Usually, documents are signed several days prior to consummating the transaction.
In Arizona Real Estate, the property must "record" for the transfer of real property. That is, the County Recorder must document the sale. While each transaction is a little different, they all are subject to common closing time-lines.When a Buyer is obtaining a loan, the Lender is intimately involved in the closing process, particularly in the last few days before closing. Cash transactions are more streamlined, but still must record before the property is transferred.Here's a typical escrow time-line:
-First the escrow process must be completed; CC & R's provided, Title commitment reviewed, Homeowner's Insurance ordered, Home Warranty chosen, inspection completed, etc.
-When your loan is fully approved, the Lender will send instructions, to the Title Company. This should occur three to four days prior to your closing date.
-Your escrow officer will then work up a ‘preliminary audit' or HUD for all parties reference, and approval.
-When these numbers are agreed upon, they will be sent back to the Lender. The Lender will then send your actual ... more

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