Top 5 Mistakes Homebuyers Make That Delay Their Closing

Buying a home is an exciting milestone, but delays during the closing process can quickly turn excitement into frustration. Many of these delays are preventable with the right preparation and guidance. Whether you're a first-time buyer or experienced in real estate, avoiding these common pitfalls can help you reach the closing table without unnecessary stress.

Here are the top 5 mistakes homebuyers make that delay their closing—and how to avoid them:

1. Making Major Financial Changes Before Closing

Applying for new credit cards, financing a car, or making large purchases can raise red flags for lenders. Even after you're pre-approved, your credit and financials will be re-evaluated before closing. Big changes can jeopardize your mortgage approval.

Avoid it: Wait until after closing to make any major financial moves.

2. Incomplete or Inaccurate Documentation

Lenders require a lot of paperwork—bank statements, tax returns, pay stubs, and more. Missing or inconsistent information can slow down the underwriting process or raise compliance issues.

Avoid it: Work with a trusted lender and respond to documentation requests quickly and thoroughly.

3. Changing Jobs During the Loan Process

Switching jobs or becoming self-employed can affect your income verification and loan approval. Even if your new job pays more, the change may delay or derail your mortgage process.

Avoid it: If possible, hold off on employment changes until after your closing is complete.

4. Not Clearing Title Issues Early On

Title issues—like unresolved liens, unpaid taxes, or ownership disputes—can come up during the title search. These problems can delay closing significantly if not addressed early.

Avoid it: Work with a knowledgeable real estate agent or attorney who can help identify and resolve title issues quickly.

5. Skipping the Final Walkthrough or Last-Minute Repairs

The final walkthrough is your last chance to make sure the home is in the agreed-upon condition. Discovering unresolved repairs or damage right before closing can lead to delays or renegotiations.

Avoid it: Don’t skip the walkthrough. Bring your checklist and speak up about any concerns immediately.

Final Thoughts

Delays in the homebuying process can be stressful—but they’re often preventable. Staying informed, organized, and responsive is key to a smooth and timely closing. Partnering with experienced professionals can make all the difference.

If you’re thinking about buying a home and want a seamless experience from start to finish, our team is here to guide you every step of the way.