How Long Does It Take to Close on a House?

If you’re buying or selling a home in Hendricks or Marion County, one of the first questions you’ll likely ask is:

“How long does it take to close on a house?”

The short answer: Most closings take 30 to 45 days from the time an offer is accepted. But that timeline can vary depending on a few key factors.

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📅 The Typical Closing Timeline (Step by Step)

Here’s what usually happens between “Offer Accepted” and “Here are your keys!”:

1. Contract Acceptance (Day 0)
2. Home Inspection (Days 3–7)
3. Appraisal Ordered (Days 7–14)
4. Mortgage Underwriting (Ongoing through Day 25–40)
5. Title Work Completed (Parallel to underwriting)
6. Clear to Close Issued (Usually Days 30–45)
7. Final Walkthrough & Closing (Day 30–46+)

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⏱ What Can Delay a Closing?

Some common speed bumps include:

• Appraisal issues (if the home doesn’t appraise for the sale price)
• Loan approval delays (credit, income, or document issues)
• Title problems (liens, name mismatches, or unpaid taxes)
• Inspection repairs that require negotiation or fixes

Pro tip: Working with an experienced local agent and lender can help you avoid or prepare for most of these.

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⚡ How to Speed Up the Process

Buyers can help by:

• Getting pre-approved (not just pre-qualified) before house hunting
• Responding quickly to lender document requests
• Avoiding big financial changes during the process (no new credit cards or car loans!)

Sellers can help by:

• Having clear title and disclosures ready
• Handling inspection repairs quickly and transparently
• Being flexible with scheduling

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✅ Cash Deals Can Close Faster

If there’s no mortgage involved, a cash deal can often close in 7 to 14 days depending on title work and inspections. These are more common in investment or downsizing scenarios.

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🏠 Planning a Move?

If you’re buying or selling in Hendricks or Marion County, I can help you build a realistic timeline based on your specific situation — and keep the process on track every step of the way.

Let’s talk timing and create a game plan that works for you.