5 Sneaky Hiccups That Could Stall Your Real Estate Closing (And How to Avoid Them!)

5 Sneaky Hiccups That Could Stall Your Real Estate Closing 

(And How to Avoid Them!)

As a lifelong Sacramento resident and a trusted expert in our local real estate market, I’ve witnessed firsthand how crucial it is for both buyers and sellers to have a seamless closing experience. Whether you’re stepping into the market for the first time or are a seasoned pro, the process of closing a real estate deal can feel like a maze of paperwork, negotiations, and deadlines. Unfortunately, despite your best efforts, there are often unexpected hurdles that can pop up and cause unnecessary delays. 

These issues can be frustrating, time-consuming, and, in some cases, costly. That’s why understanding the potential pitfalls and how to avoid them is key to keeping your transaction on track. With years of experience and a deep understanding of Sacramento’s real estate landscape, I’m here to guide you through the process and ensure that your closing goes as smoothly as possible, without any unwanted surprises.

Here are five common issues that can stall your closing, along with tips on how to avoid them:

1. Challenges with the Buyer’s Financing- Even if you’ve been pre-approved for a mortgage, there’s still a final verification process before closing. Any changes in your financial situation—such as opening a new credit line or changing jobs—could delay your loan approval. To avoid issues, don’t make significant financial moves between loan approval and closing. Stay in close contact with your lender and address any concerns well in advance.

2. Discrepancies in the Home’s Appraisal Value- A home appraisal confirms the market value of the property, and if it comes in lower than expected, it can delay your closing. Buyers may need to renegotiate the purchase price or challenge the appraisal. To avoid this, it’s helpful to discuss potential appraisal gaps early on, so you’re prepared with a plan if the appraisal doesn’t meet expectations.

3. Issues with the Property’s Title- A clean title transfer is crucial for closing, but issues such as liens or ownership disputes can delay the process. Sellers can minimize the risk of title issues by conducting a title search early on in the process. However, be prepared for the possibility that title problems may arise, and stay flexible with your timeline to accommodate them.

4. Problems with the Fund Transfer- On closing day, you’ll need to ensure that the funds for the down payment and closing costs are transferred correctly. Any issues with wiring funds or using the wrong form of payment can delay closing. Make sure you communicate with your title company and lender ahead of time to confirm payment methods and ensure the transfer goes smoothly.

5. Surprises During the Final Walkthrough- The final walkthrough is your chance to check that the home is in the condition you agreed upon. Issues like missing fixtures or incomplete repairs can cause delays if not resolved before closing. Make sure your contract clearly defines what stays with the property and any repairs that need to be completed to avoid surprises at the last minute.

Why Choose Sac Platinum Realty?

At Sac Platinum Realty, we’re committed to making your real estate journey as smooth as possible. With our extensive local knowledge and expert guidance, we help you avoid common pitfalls and navigate any obstacles with confidence. Whether you’re buying or selling, we’re here to ensure that your closing process is smooth and stress-free. Our personalized service, attention to detail, and dedication to your needs are why so many Sacramento residents trust Sac Platinum Realty. 

Take Action Now—Your Dream Home is Closer Than You Think

The clock is ticking, and opportunities in Sacramento’s real estate market won’t last long. With spring around the corner, now is the perfect time to get ahead of the competition. Whether you’re buying or selling, the right timing can make all the difference in securing the best deal. Don’t wait—take the first step today!

Connect with Sac Platinum Realty to start your journey toward a seamless closing. We’re here to help you navigate every step of the process, from overcoming obstacles to making your dream home a reality.

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Your dream home is waiting. Let’s make it yours!