What Happens After Clear To Close

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How soon before closing date do you typically receive your "clear to close"? We are scheduled to close in a week and nothing yet.. Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.

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Once all of the conditions are handled, you will get the "Clear to Close" which are the words everyone is anxiously waiting for. This means that your file is complete and you can close.

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As for what occurs after this: It is all up to the winds. The short answer: It’s still not clear what exactly will happen..

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What does clear to close mean?. Clear to close is one of the final stages before your loan is funded. CTC means that the underwriter has reviewed and approved all necessary documents and you’ve passed with flying colors.. this usually happens at the title company or a closing agent will.

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A clear to close on mortgage (CTC) is ultimately the finish line in the mortgage process. A clear to close is when the mortgage lender have processed the mortgage loan application. Clear To Close are issued by mortgage underwriters. Prior to CTC, the mortgage underwriter has underwritten the mortgage loan.

If you have incurred additional debt that could affect your debt-to-income ratio or your ability to pay your mortgage, the lender may not clear you to close. Best advice is to avoid accepting any credit offers or taking out additional loans until after you close.

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