From Offer to Close: A Simple Timeline for Buyers in Today’s Market
Posted: May 16, 2025
Buying a home is exciting — but what happens after your offer is accepted? Here’s a clear timeline to help buyers in today’s Upstate SC market know what to expect from start to finish.
Step 1: Submit an Offer (Day 1)
Once you’ve found “the one,” your agent writes and submits the offer. Negotiations can take a few hours or a couple of days.
Step 2: Under Contract (Day 2–3)
Offer accepted, contract signed, and you’re under contract. Earnest money is deposited, and the clock starts ticking on inspections.
Step 3: Inspections & Due Diligence (Days 3–10)
This is your chance to check for issues. A home inspection, pest inspection, and other evaluations (septic, well, HVAC) help you know what you're getting. If needed, your agent negotiates repairs or credits.
Step 4: Appraisal Ordered (Week 2)
Your lender orders the appraisal to confirm value. It usually takes about a week.
Step 5: Loan Finalization (Week 3–4)
You’ll work with your lender to provide documents and finalize your mortgage. You’ll also get homeowner’s insurance lined up. Do not buy any large ticket items: Furniture, boats or cars, until after the closing. Do NOT book any trips or make big charges on your credit cards.
Step 6: Clear to Close (Week 4+)
Your loan is fully approved, and you're “clear to close.” This is the green light for the final steps.
???? Important: Call utility companies now to transfer power, water, and internet into your name. Doing it ahead of time avoids service interruption. AGAIN: No purchases on Credit Cards, of Cars, Boats, Motorcycles or furniture where they pull your credit. Mortgage companies and banks confirm your credit the day of closing...as your agent I do not want any surprises.
Step 7: Closing Day (Usually 30–45 days from offer)
You’ll sign final documents, receive the keys, and officially become the new homeowner!
I guide buyers across Oconee, Pickens, and Anderson Counties through every step — and make sure nothing gets missed.
???? 864-710-4518 | ???? gwen@gfowler.com
???? www.CoolMountainEscapes.com
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