How long does closing take in Arizona?

Short answer: most residential closings take 30-45 days from a fully executed contract to keys in hand. Cash deals can wrap in 10-14 days. Loans, repairs, or HOA delays can push past 45.

Days 1-3: Contract to escrow opened

The signed contract is delivered to escrow, the file is opened, and the buyer's earnest money is deposited. TITLE work is ordered the same day in most cases.

Week 1-2: Inspections and disclosures

The buyer completes the home inspection (typically a 10-day window in Arizona's standard contract), reviews seller disclosures, and submits any repair requests.

Week 2-3: Appraisal and underwriting

The lender orders the appraisal and pulls the file into underwriting. This stage causes the most surprises - low appraisals, conditional approvals, and last-minute document requests.

Week 4-5: Clear to close and signing

Once the lender issues clear-to-close, the Closing Disclosure is delivered (3-day waiting period required), and signing is scheduled with escrow.

What speeds it up

Cash purchase or fully underwritten pre-approval
Documents delivered the day they're requested
HOA package ordered as soon as escrow opens
Inspection scheduled inside the first 5 days

What slows it down

Self-employed borrowers, gift funds, or large deposits
Appraisal coming in under contract price
TITLE clouds: old liens, missing releases, probate gaps
Repair negotiations that drag past the inspection period

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