If you’re preparing to buy or sell property in West Virginia, Pennsylvania, or Ohio, one of the most common questions is: How long will closing take? While most residential transactions close within 30 to 45 days, several factors can influence that timeline.
At Guida Law Offices, we’ve helped clients across the region navigate real estate closings efficiently. Whether you’re paying cash or using a mortgage, understanding what affects your closing timeline helps you avoid surprises and close with confidence.
Typical Closing Timelines by State
While each deal is unique, here’s a general range based on recent data and our experience:
- West Virginia: 30 to 45 days (financed), 7 to 14 days (cash)
- Ohio: 30 to 45 days (financed), 10 to 15 days (cash)
- Pennsylvania: 30 to 60 days (financed), 10 to 20 days (cash)
According to HomeLight, the national average for mortgage-backed closings is 41 days, while cash deals may close in as little as one week. Similarly, PNC Bank reports that most closings take 30–45 days, depending on transaction complexity and financing.
What Can Affect the Closing Timeline?
Several common factors can speed up—or slow down—the closing process:
1. Type of Financing
Financed deals typically take longer than cash offers. Mortgage loans involve:
- Credit approval
- Income verification
- Property appraisal
- Underwriting reviews
FHA, VA, and USDA loans may add extra steps and extend the timeline by one to two weeks.
2. Title Search and Insurance
A title search is required to confirm clear ownership and uncover any issues like liens or easements. This process typically takes 3 to 10 business days if no issues are found. If there are title defects, the delay could stretch to several weeks.
Title complications can cause a closing to shift from 30 to 90 days depending on the issue and how quickly it’s resolved.
3. Inspections and Appraisals
After the purchase agreement is signed, most buyers schedule:
- Home or building inspections (7–10 days)
- Pest, radon, or mold inspections (if applicable)
- Property appraisal (ordered by the lender)
If any of these are delayed—or reveal issues that require negotiation—the closing may be pushed back.
4. Underwriting and Loan Approval
Underwriting involves a deep review of the buyer’s finances. On average, this can take 1 to 3 weeks. Any missing documentation, credit issues, or employment verification delays can extend this process.
5. Contract Contingencies
Some closings are subject to conditions like:
- The buyer selling their current home
- Repairs being completed
- Zoning or permitting approvals
These must be resolved before the sale can move forward.
How to Close Faster
Want to speed things up? Here are some proven strategies:
- Get pre-approved for financing before making an offer
- Respond quickly to requests from your lender or attorney
- Schedule inspections and appraisals early
- Avoid major purchases or credit changes during underwriting
- Work with a local real estate attorney who can streamline title work and resolve issues efficiently
What Happens if Closing is Delayed?
Not all delays are preventable. Common causes include:
- Title issues
- Low appraisals
- Repair negotiations
- Financing setbacks
A trusted attorney can help negotiate extensions or contract amendments, while protecting your legal and financial interests.
Regional Differences in Closing
Each state handles real estate closings a bit differently:
- West Virginia: Most closings are attorney-led, which can improve communication between parties and address legal concerns directly
- Ohio: Title companies typically coordinate closings, but attorneys are often involved for contract review and document signing
- Pennsylvania: Both title companies and attorneys may lead closings, depending on local customs and the property’s location
Understanding these differences is part of what sets Guida Law Offices apart. We handle closings throughout the tri-state area with a deep knowledge of regional laws and timelines.
Close With Confidence
Whether you’re purchasing a home in Ohio, a commercial property in West Virginia, or an investment in Pennsylvania, knowing the steps and timeline ahead can make a big difference. Our team is here to help ensure your closing goes smoothly and on schedule.
Contact Guida Law Offices today to learn how we can support your real estate closing from contract to keys.