Common Issues That Can Arise During Closing — and How to Handle Them

Reaching the closing stage feels like the finish line — but it’s not unusual for a few bumps to appear along the way.

Most real estate transactions don’t fall apart at closing, but unexpected issues can cause stress, delays, or confusion if they aren’t handled properly.

The good news?
Most closing issues are common, manageable, and preventable with the right preparation and guidance.

Here’s what to expect — and how to handle it calmly if something comes up.

Inspection-Related Issues

Even after inspections are completed, issues can resurface during closing.

Common concerns include:

• Repair requests not completed as agreed

• Disagreements over credits or repairs

• Documentation missing for completed work

How to handle it:
Clear communication, written documentation, and realistic expectations keep these issues from escalating. A strong agent tracks repair timelines and confirms everything well before closing week.

Appraisal Challenges

Appraisal issues are one of the most common closing obstacles.

This can include:

• Appraised value coming in lower than the contract price

• Delays in scheduling or receiving the appraisal

• Lender questions triggered by appraisal notes

How to handle it:
Options often include renegotiation, additional buyer funds, or a review of comparable sales. An experienced agent anticipates appraisal risks and prepares supporting data in advance.

Financing and Loan Delays

Even qualified buyers can face last-minute financing hiccups.

Examples include:

• Additional lender documentation requests

• Changes in employment or credit

• Rate lock or underwriting delays

How to handle it:
Stay responsive, avoid major financial changes during escrow, and work with a lender who communicates clearly. A proactive agent keeps pressure on timelines without creating panic.

Title and Legal Issues

Title issues can slow or halt a closing if not addressed quickly.

Common title-related problems include:

• Old liens or judgments

• Boundary or survey discrepancies

• Errors in ownership records

How to handle it:
Title searches should be ordered early, and any issues addressed immediately. Most title problems are resolvable — they just take time and attention.

Walk-Through Surprises

Final walk-throughs occasionally reveal unexpected problems.

This might include:

• Property condition changes

• Items removed that should have stayed

• Repairs not completed properly

How to handle it:
Address issues before signing whenever possible. Solutions often include escrow holdbacks, credits, or quick fixes arranged before closing.

Timing and Logistics Problems

Closing delays can happen due to:

• Incomplete paperwork

• Scheduling conflicts

• Delays in funding or wire transfers

How to handle it:
Build flexibility into your schedule and avoid planning same-day moves when possible. Experienced coordination minimizes disruption.

Emotional Stress and Fatigue

By the time closing arrives, many clients are emotionally and mentally exhausted.

Stress can cause:

• Overreactions to minor issues

• Frustration with normal delays

• Decision fatigue

How to handle it:
This is where calm, steady guidance matters most. Having someone who’s seen these issues before helps keep perspective and momentum.

Final Thought

Closing issues don’t mean your deal is in trouble — they mean you’re in the final stretch.

Most problems that arise during closing are routine and solvable with preparation, communication, and experience.

The key is not eliminating every issue — it’s knowing how to handle them without derailing the transaction.

About Scott Selleck

Scott Selleck is a Broker/Sales Associate with over 32 years of experience guiding buyers and sellers through smooth, well-managed closings across Bergen and Hudson County.

As leader of The Selleck Group at Keller Williams City Views Realty, Scott specializes in protecting clients through negotiations, problem-solving, and complex transactions — ensuring fewer surprises and cleaner outcomes.

I guide NJ homeowners into their next chapter — one smart move at a time.
High-touch service. Data-driven decisions. Zero surprises.

Scott Selleck | The Selleck Group | Keller Williams City Views Realty
2200 Fletcher Avenue, Suite 502, Fort Lee, NJ 07024
Office: 201-592-8900 | Cell: 201-970-3960
www.SelleckSellsNJ.com | [email protected]