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Linda Willer

RE/MAX Action Real Estate
Charlottesville, Virginia
Real Estate Agent
Contact Me

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How Long Before I Can Move In?

Sometimes the sellers or buyers need to move immediately and sometimes they’re in no hurry. The closing date should accommodate both parties’ needs and is also a point of negotiation.

Without unusual circumstances, it can realistically take as little as 4-6 weeks to move into your new home. Depending on your financial situation, the lender can even get a quick closing in 15 days. Cash transactions can close in 1-2 weeks.

  • Obtain pre-approval letter from lender: 1-7 days
  • Pick out future home: your timeframe
  • Acceptance and negotiation of contract to purchase: 1-5 days
  • Home inspection and negotiation: 2-14 days
  • Loan approval: 3-5 weeks due to timeline of loan application, pre-approval, appraisal of home, underwriting process, and final approval by the mortgage company
  • Termite, well, & septic inspections and any treatment (seller responsibility): 30 days before closing
  • Title search (buyer’s settlement company responsibility): usually begun 30 days before closing
  • Obtain homeowner’s insurance, turn on utilities, change address (buyer responsibility): 7-30 days before closing
  • Final walk-through, purchase contract contingencies cleared: 0-2 days before closing
  • Obtain cashier’s check from bank for closing costs: 0-2 days before closing
  • Settlement or Closing Day: loan acceptance papers/property transfers are signed by both parties
  • Possession and move-in: begins immediately following settlement or closing!

Start shopping online! Email for property listings in your price range

Linda Willer | 434-985-4094 | Contact Me
1770 Timberwood Blvd, Suite 101 - Charlottesville, VA 22911
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