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.
Clear to Close confirms underwriting review is complete and the transaction is ready for settlement.
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.
Want this applied to your situation?
Understanding a term is one thing. Knowing how it affects your loan, your rate, or your closing costs is another. Kara can walk you through exactly how this applies to your file — in plain language, in 30 minutes.
Schedule a Free ConsultationNo obligation. In person, by phone, or on Zoom.
Ready to Take the Next Step?
Clear answers. No pressure. Just a solid plan built around you.
30 minutes. In person, by phone, or on Zoom. No obligation.