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3 days are counted as normal business days not including Saturdays, Sundays, and legal public holidays. Any change to any of the 6 items above will require a new disclosure - Revised Loan Estimate must be issued at least 1 day before Closing Disclosure or at least 4 days prior to closing.

Closing Disclosure must be issued at a minimum - 3 days prior to closing. Days are counted including Saturdays but excluding Sundays and legal public holidays.  Closing Disclosure confirms final loan costs supported by Settlement Statement issued by escrow/title company and final loan terms supported by signed loan disclosures issued by your loan originator/lender.


Loan Estimate alteration. Changes to any of the 6 components in Loan Estimate will require a revised Loan Estimate to be drafted and re-setting the clock back 3 days.

E-mail tardiness. Closing Disclosure and Loan Estimate are are sent via e-mail. Both documents must be opened and viewed instantly. The 3 days clock will only start ticking once that email has been clicked, opened, and viewed by a borrower. Electronic communication is our preferred way of communication especially under COVID-19.

Escrow irresponsiveness. Lenders will issue a Closing Disclosure (CD) in collaboration with an escrow company. A delay by an escrow agent in issuing a Settlement Statement will result in closing delay.

It takes a team to close successfully and it is my goal to get you to a closing table on time by being proactive and being knowledgeable.  Here are some more tips on closing on time.

Call me with any questions.