Short answer
The signing, the funding, and — usually — the keys.
You'll sign the note, mortgage, and Closing Disclosure acknowledgment. Expect 30–60 minutes.
Signing
You'll sign the note, mortgage, and Closing Disclosure acknowledgment. Expect 30–60 minutes.
Funding and recording
Funds move to the seller, and the deed and mortgage are recorded. Once recorded, the home is legally yours.
Key takeaways
- Signing → funding → recording → keys.
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.