We already signed. Can we close sooner?

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Illustrative image of homebuyer checking her watch at a new home — Illustrative image. Not a photo of the people discussed.

After signing on one transaction, we asked whether we could move the closing earlier.

The lender said that would involve new documents, another signing and an additional notary fee to consider.

We kept the original date. Later, we received confirmation that the transaction had recorded.

An earlier date sounded nice. Once we knew the extra steps, we could decide whether it was worth changing the plan.

Be clear about what needs to happen sooner

Signing, funding and recording are different steps.

You may be asking when you can get keys. The lender may be talking about when it releases funds. Escrow may be waiting on recording.

I would start by naming the outcome you need and asking which unfinished step controls it. Your agent should help confirm the possession arrangements too.

Ask what the change would require

Do documents need to be redrawn?
Does anyone need to sign again?
Are there additional costs?
Do disclosure or other waiting periods affect the timing?
Can the lender and escrow confirm the new schedule?

Not every corrected Closing Disclosure restarts a waiting period. Certain changes can, and other timing rules may apply to the transaction. The team needs to check the actual change rather than guess.

Compare the benefit with the extra work

If moving the date saves a real expense or solves a moving problem, it may be worth exploring.

In our file, staying with the original schedule was the choice we made.

The important part was getting a concrete answer before arranging another signing. That gave everyone a decision they could make with the costs and timing in front of them.

This example is based on a real mortgage discussion with identifying information removed. Any numbers are illustrative and are not current loan terms or a commitment to lend. Loan programs, rates, property values and borrower qualification vary.

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