Short answer
The 30-day path from contract to keys — inspection, appraisal, underwriting, and closing.
You'll deliver escrow deposit to the title company and schedule a home inspection, typically within 7–15 days. Inspection findings can lead to repair requests or credits.
Deposit and inspection window
You'll deliver escrow deposit to the title company and schedule a home inspection, typically within 7–15 days. Inspection findings can lead to repair requests or credits.
Appraisal and loan processing
Your lender orders the appraisal while the processor collects final documents. Any conditions from underwriting are addressed here.
Clear to close
Once underwriting signs off, you'll receive the Closing Disclosure at least 3 business days before closing, review final numbers, and schedule signing.
Key takeaways
- Deposit and inspection come first.
- Appraisal and underwriting happen in parallel.
- Closing Disclosure comes 3+ business days before closing.
Frequently asked questions
Apply Now
Start your application
Quick, secure, mobile-friendly.
Ask Cesar AI
Get instant answers
24/7 mortgage AI assistant.
Calculator
Run the numbers
Payment, affordability & refi tools.
Consultation
Book a meeting
Talk to a licensed advisor.
Contact
Reach the NexGen Capital team
We'll respond within one business day.
Related mortgage option
Ready to apply this to a real loan? Review how Conventional Loans work in Florida, or estimate your monthly payment before you talk to an advisor.
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.