You’ve toured home after home, searching for the one that feels “just right.” Finally, you’ve found it - your dream home. Your offer has been accepted, and excitement is setting in.
Now comes the big question: How long does it take to close on your new home?
The answer depends on a few key factors — from your financing and appraisal to your closing process - but understanding each step can help you move forward with confidence. At Simmons Homes, we believe that buying a new home should be exciting, not overwhelming. That’s why our team walks with you through every step of the process to make your path to homeownership as smooth and stress-free as possible.
Let’s break down what to expect.
If you haven’t already, getting pre-approved for a mortgage is the best place to start. A pre-approval shows sellers that you’re a serious buyer and helps you understand your true purchasing power before you start shopping.
At Simmons Homes, our preferred lenders make this process simple and transparent - often providing same-day pre-approval so you can focus on finding your dream home without delay.
For a resale home, you’ll typically need to schedule a home inspection to evaluate the property’s condition. The inspector will provide a detailed report within 24–48 hours outlining any issues that may need attention before closing.
For new construction homes, like those built by Simmons Homes, you’ll complete a New Home Orientation and Final Walkthrough instead. This is your opportunity to tour your completed home alongside our construction team, review finishes and features, and ensure everything meets our high-quality standards before closing.
Your lender will order an appraisal to confirm the home’s value matches the purchase price. This protects both you and the lender by ensuring you’re not overpaying for the property.
Most appraisals are completed within 7–14 days, depending on scheduling and the type of loan you choose (Conventional, FHA, or VA).
Even after pre-approval, your lender still needs to complete underwriting - the process of reviewing your income, credit, and financial documentation to finalize your loan.
This step usually takes one to two weeks, depending on how quickly documents are submitted and verified. During this time, avoid opening new lines of credit or making large purchases that could impact your debt-to-income ratio.
Once underwriting is complete, you’ll receive your “clear to close” - the official green light to move forward to your closing day!
Before closing, you’ll need to secure homeowner’s insurance and provide proof of coverage to your lender. Most insurance companies can process this quickly, often within a few hours.
Our team at Simmons Homes will also help coordinate final details, from setting up your utilities to preparing for your closing appointment - so you can focus on the excitement of moving in.
For most new construction buyers in 2025, the closing timeline typically ranges from four to seven weeks from contract to keys in hand.
Government-backed loans (such as FHA or VA) may take slightly longer due to additional processing requirements, while conventional loans often move faster.
At Simmons Homes, we work closely with our preferred lenders and title partners to help you stay on track and close on time... ensuring a smooth and transparent experience from start to finish.
Whether you’re a first-time buyer or ready to move up to your forever home, Simmons Homes is here to guide you every step of the way. From pre-approval to move-in day, our team is committed to making your experience stress-free, educational, and rewarding.
Explore our Quick Move-In Homes available across our Tulsa-area communities - and take the next step toward homeownership today.
