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CLOSING PROCESS

 In California real estate, once the Closing Disclosure (CD) goes out, the next steps and timing to close escrow typically follow this sequence:  

Review of Final Documents

The buyer must review and acknowledge receipt of the CD. By law, they must receive the CD at least three business days before closing.

Final Walk-Through

Usually, the buyer conducts a final walk-through of the property to ensure that all agreed-upon repairs have been completed and the property is in the expected condition. This typically happens 1-2 days before closing. 

Funding of the Loan

After the final walk-through and CD acknowledgment, the lender will fund the buyer's loan. This typically occurs the day before or the day of closing. 

Final Signatures

 Both the buyer and seller need to sign the final documents. This can happen at the escrow office or electronically, depending on the arrangements made.

Recording of the Deed

 The title company will record the deed and other necessary documents with the county recorder's office. This generally happens on the day of closing.

Disbursement of Funds

 Once the deed is recorded, the escrow company will disburse funds to the seller, real estate agents, and any other parties owed money from the transaction.

Closing Statement

 Both parties will receive a final closing statement detailing all the financial transactions involved in the sale.

Transfer of Keys

After recording and fund disbursement, the buyer receives the keys to the property, officially taking possession.

 The entire process, from the issuance of the CD to closing, usually takes about three to five business days. However, it can vary based on specific circumstances or any unforeseen delays. 

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