Do we get the keys to our house at closing? When can we move in?

August 16, 2018

As soon as the lender funds the loan (which means the lender releases the money from your loan to the Title company to be distributed according to the settlement sheet) the keys are given to you. Usually, that happens a short time after completion of all the paperwork. The lender may require a final review which can take a few minutes or more. If a lender is located in a different time zone and cannot give funding authorization until the next business day, you WILL NOT be able to take possession of your home until that funding occurs. Once you get the keys, you can begin moving in.

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