Clear to Close
Clear to Close (CTC) is the final approval status issued by underwriting, confirming that all conditions have been satisfied and the loan is approved for closing.
Once a file is Clear to Close, closing documents can be prepared and the borrower may proceed to sign final paperwork. You will receive your Closing Disclosure at least three business days before signing.
Clear to Close comes after conditional approval and final approval. It confirms underwriting review is complete and the transaction is ready for settlement. See our guide to the closing process in Louisiana.
Why This Matters: Clear to Close is one of the most important milestones in the mortgage process. It means your loan has passed final review and you are officially moving toward the finish line.
Common question
What does Clear to Close mean?
Clear to Close (CTC) means underwriting has approved your loan and all conditions have been satisfied. Closing documents can be prepared and you can schedule your signing.
How long after Clear to Close until I sign?
Typically a few days. Your lender and title company coordinate to prepare final documents and set the closing date. You will receive your Closing Disclosure at least three business days before signing.
Related Topics
Related Mortgage Terms
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