Under Contract? Your Week-by-Week Road to Closing | Ronald Cepeda
Buyer Guide · The Fun Part

You’re Under Contract! 🎉 Now What?

Take a breath — the hard part’s done. The next 30 days follow a well-worn road, and when you know what’s coming each week, the ride is actually fun. Scroll the roadmap below. 👇

Show Me the Road

The week-by-week journey from contract to keys

The Purchase Roadmap

Four weeks. One set of keys.

This is the exact route my team drives with every buyer — watch the road unfold as you scroll.

▶
Week One

Onboarding — We Hit the Gas

  1. Order your homeowner’s insurance
  2. Schedule and order the appraisal
  3. Order title work
  4. Submit your loan to underwriting
✔
Week Two

Initial Loan Approval

  1. Initial approval comes in 🎉
  2. Underwriter requests conditions
  3. My team — processor & transaction coordinator — works them
  4. Appraisal report comes back
  5. Title work completed
  6. Homeowner’s insurance finalized
👍
Week Three

The Final Polish

  1. Finalize and compile every piece of the transaction
  2. Submit for final review — clear to close incoming
🔑
Week Four

Prepare for Closing

  1. Final walkthrough with your agent
  2. Wire your cash-to-close to the title company
  3. Close — get the keys! 🔑
  4. Schedule the movers
🏡🔑

Welcome home.

A friendly word about those 30 days: your only real jobs are to respond quickly when we ask for a document, keep your finances boring (no new credit cards, no financing a moving truck full of furniture, no job changes), and start packing. My processor and transaction coordinator handle the rest — and you’ll get updates from us before you ever have to wonder.

Every file hits a small bump or two — a condition here, an appraisal scheduling shuffle there. That’s normal, and it’s exactly why the roadmap has slack built in. You’ll never be the last to know anything about your own loan.

Start Your Journey

Ready to get on the road?

Ronald Cepeda

Whether you’re under contract or just starting to look —
Ronald will map your exact route to keys.

By submitting, you agree to be contacted by the Ronald Cepeda Team. We respect your privacy and never sell your information.

✅ You're on the road!

Ronald will reach out shortly. Want to talk now?
Call or text 305-785-3915
or schedule a call.

Common Questions

Under-Contract FAQ

How long does it take to close once I'm under contract?

Most purchases close in about 30 days from contract to keys. Cash-ready files with responsive buyers can move faster; condos and complex income can add a little time. Your week-by-week roadmap keeps everything on schedule.

What should I NOT do while under contract?

Don't open new credit cards, finance furniture or a car, change jobs, move large sums of money without documentation, or miss any payment. Lenders re-verify credit and funds right before closing — surprises can delay or derail your loan.

When do I need homeowners insurance?

Week one! Your insurance gets ordered at the very start because the lender needs the policy in place before final approval. We'll guide you on exactly what coverage the loan requires.

What are 'conditions' on my loan approval?

Conditions are the underwriter's checklist — documents or clarifications needed to move from initial approval to final approval. Things like an updated pay stub or a letter explaining a deposit. Knock them out fast and week three stays smooth.

How much do I wire at closing, and how do I do it safely?

Your exact cash-to-close comes on the Closing Disclosure at least 3 days before closing. ALWAYS call the title company directly using a verified number before wiring — wire fraud is real, and we'll walk you through it.