Common Closing Delays and How to Avoid Them

You’ve accepted an offer (or made one), signed the paperwork, and started packing your boxes—closing day is almost here! But sometimes, the final stretch of a real estate transaction hits unexpected bumps that delay the closing process.

At The Birdsong Group, we believe that knowledge is the best way to prevent surprises. Here’s a closer look at common closing delays and how to keep your sale on track.

🏦 1. Financing and Loan Approval Issues

Even buyers who are pre-approved can run into problems if:

Their financial situation changes (e.g. new debts, job changes)

The lender requests additional documentation

There are appraisal discrepancies that affect loan approval

How to avoid it:

✅ Maintain stable finances during the buying process

✅ Avoid large purchases or new credit lines

✅ Respond quickly to lender requests for documents

✅ Work with an experienced lender who communicates well

📑 2. Title or Legal Problems

Title issues can delay closing, such as:

Unresolved liens against the property

Errors in public records

Disputes over property boundaries

How to avoid it:

✅ Get a preliminary title search early in the process

✅ Address liens or claims promptly

✅ Use a reputable title company recommended by your agent

🏡 3. Home Inspection Surprises

Unexpected repairs can spark new negotiations or cause the buyer to walk away. Major issues like roof damage, plumbing problems, or foundation cracks can halt progress.

How to avoid it:

✅ Sellers: Get a pre-listing inspection to identify and fix issues ahead of time

✅ Buyers: Schedule inspections promptly and negotiate repairs quickly

✅ Both sides: Be flexible and work with experienced agents to navigate repairs

📈 4. Appraisal Gaps

If a home appraises lower than the purchase price, lenders may refuse to fund the full loan amount, forcing buyers to pay the difference or renegotiate.

How to avoid it:

✅ Price your home accurately based on recent market data

✅ Buyers: Have a plan if the appraisal comes in low (e.g. increase cash down payment, negotiate price reduction)

✅ Work with agents who know how to challenge low appraisals when justified

📆 5. Paperwork or Administrative Errors

Closing requires a mountain of paperwork—and even small mistakes can cause delays.

How to avoid it:

✅ Work with a real estate agent and title company who double-check every detail

✅ Review all documents carefully for errors in names, numbers, or dates

✅ Respond quickly to any document requests from lenders or attorneys

🚫 6. Buyer or Seller Cold Feet

Occasionally, emotions get the best of either party, causing second thoughts or last-minute withdrawal from the deal.

How to avoid it:

✅ Communicate openly throughout the process

✅ Lean on your agent for guidance and perspective

✅ Stay focused on your end goal—and the benefits of moving forward

🗝️ The Birdsong Group’s Pro Tip

Many closing delays can be avoided with planning, communication, and the right team on your side. At The Birdsong Group, we coordinate every step of the process and proactively tackle issues before they derail your closing date.

📣 Ready for a Smooth Closing?

Whether you’re buying or selling, let The Birdsong Group help you navigate the path to a stress-free closing. We’re here to protect your interests—and keep your move on schedule.

🔗 Connect with us at 👉 www.thebirdsonggroup.com for expert guidance today!

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