Closing in progress
Day 8 of 30
Estimated close: May 17, 2026 · Title company: Stewart Title Austin
Option period ends
In 2 days · May 1
Progress
28%
Stages
12 steps to keys in hand
Offer accepted
Apr 22$481,000 · 10-day option · 30-day close
Earnest money wired
Apr 23$10,000 to Stewart Title escrow · Verified ✓
Inspection scheduled
Apr 24Apex Home Inspection · Apr 28 9:00 AM
Inspection response · due in 2 days
By May 1Use the AI inspection-response generator to draft your repair-credit ask. 14 findings detected.
Loan application + appraisal
By May 6Lender packet · third-party appraiser ordered
Title commitment review
By May 9Schedule B exceptions, easements, liens
Homeowner's insurance binder
By May 12Required by lender · we've shortlisted 3 carriers
Final walkthrough
May 16Verify repairs done, no new damage, fixtures present
Closing Disclosure (CD)
May 143-day federal review window · run our verifier
Wire down payment + closing costs
May 17⚠ Use the wire-fraud check before sending — $2.6B lost to wire fraud in 2025.
Closing meeting · sign documents
May 17In-person or remote · approx 90 min · ID + cashier's check
Recording + keys
May 17Deed recorded with Travis County · You're the owner.
Critical step
Wire-fraud check
Buyers lost $2.6 billion to wire fraud in 2025 — the #1 closing-day attack. We verify the wire instructions you received against the title company's verified record before you send a cent.
Match — instructions verified
Routing + account match Stewart Title's record. Beneficiary name aligns with the title company's IOLTA escrow account. Safe to proceed at the dollar amount on your CD.
Red flags we'll catch
Wire instructions sent only via email (no phone confirmation) Beneficiary mismatched with title company name Routing number flagged in FBI wire-fraud database Last-minute change to bank details (a hacked email signal)
3 days before closing
Closing Disclosure verifier
Federal law gives you 3 business days to review the CD before signing. We diff your CD against your loan estimate, the agreed price, and your repair-credit asks.
Your CD vs expected (4 issues found)
ReviewSale price $481,000 matches contract
Loan terms match: 30-yr fixed, 6.40% APR, $384,800 principal
Title insurance increased $340 from loan estimate (within 10% tolerance — legal but ask why)
Recording fee $185 vs estimated $125 — $60 over (verify with county)
Repair credit of $4,200 missing — your seller agreed to it on May 2. Push back before signing.
Cash to close $103,420 · matches your funded total
Document binder
Everything in one place
Purchase agreement.pdf
Signed Apr 22 · 14 pages · 2.1 MB
Inspection report.pdf
Apr 28 · 67 pages · 8.4 MB
Repair-credit response.pdf
Generated Apr 29 · Signed Apr 30 · 1.2 MB
Loan estimate.pdf
Awaiting from lender
Closing Disclosure (CD).pdf
Awaiting from title
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