Tammy Lankford,, Broker  GA Lake Sinclair/Eatonton/Milledgeville (Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668)

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Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

No closing table in Southern California.  Typically ownership changes hands upon recording(which also coincides with the transfer of funds.   No closings on weekends or holidays.   Possession occurs per negotiated agreement. 

Jan 19, 2020 03:31 PM
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

Upon recordation, however, SOME will allow keys to be given to buyers if funding has taken place. 

FUNDING does not change the ownership - only recordation does. 

You are totally doing the right thing.

Jan 19, 2020 09:17 PM
Alan May
Jameson Sotheby's International Realty - Evanston, IL
A moving experience!

Same here, in Illinois.  Round table closings.  You turn over the money, we turn over the keys.  Weekdays only (just like banking hours)... it's recorded shortly afterward.

Jan 19, 2020 05:05 PM
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

We do not have settlement table closings in Arizona.

Keys are handed over upon recordation with the county. Typically, funds wired in in the morning will allow us to record by early afternoon and the buyer would get their keys that day. Everything is electronic and streamlined.

I set up Monday closings whenever possible and I don't know why agents set them up for Friday because if funds are delayed, they have to wait all weekend for keys.

Jan 19, 2020 04:12 PM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

Here in NH it is the same way. The buyer and seller sit together, sign all docs, it funds and now we have electronic registration which means the closer heads out back, the processor records the closing doc and we are on record immediately. If we close on an office that does not use electronic registration, then the buyer gets the keys, the seller gets their funds and they drive the deed to be recorded t the county registry. The closing company or lawyer has gap insurance that covers a lien put on between signing an dthem getting their physically. I am with your seller on the dry closing, no keys until the seller is paid. It is not closed until it funds, 

Jan 19, 2020 04:10 PM
Diana Dahlberg
1 Month Realty - Pleasant Prairie, WI
Real Estate in Kenosha, WI since 1994 262-308-3563

Keys are given to the buyers at closing as soon as the closing agent comes into the room with checks and paperwork for all parties in the transaction.  Once it is funded, the buyer takes ownership.

Jan 19, 2020 06:35 PM
Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

Closing happens when the deed is recorded at the recorder's office, but possession is whatever is negotiated in the sales contract.  The default is 5 pm the day the deed is recorded.

Jan 19, 2020 06:13 PM
Margaret Rome Baltimore 410-530-2400
HomeRome Realty 410-530-2400 - Pikesville, MD
Sell Your Home With Margaret Rome

In Maryland, money and keys are exchanged at the settlement table. Keys are transferred only after funding. You and your seller did the right thing.

Jan 19, 2020 05:04 PM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

In Oklahoma we have table funding. Once all docus are signed and all money in there is a transfer.

Jan 19, 2020 03:55 PM
Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co Notary Services retired RE Broker

In North Dakota it is at the signing table as well Tammy Lankford, . You do pose a interesting question however with the funding.

Jan 19, 2020 03:42 PM
Liz and Bill Spear
RE/MAX Alliance 513.520.5305 www.LizTour.com - Mason, OH
RE/MAX Alliance Cincinnati & Dayton suburbs

Most common here is as you do.  Everyone at the closing table, funding is done, keys handed over unless the contract calls for post-closing occupancy for sellers.

Jan 19, 2020 03:23 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

We do not sit around a table for closing. Once the funds are received recording can take place - it may be the same day but sometimes it's the day after. Once on record buyers get the keys.

Jan 19, 2020 04:57 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

In NC... when the deed is recorded.

In SC... when all the funds have been received.

Jan 20, 2020 05:07 AM
Brenda Mayette
Miranda Real Estate Group, Inc. - Glenville, NY
Getting results w/ knowledge & know-how!

When we leave the closing table, the buyers own the house.  I remind sellers numerous times before this day that this is how it works and their belongings need to be out accordingly.   :)

Jan 20, 2020 04:55 AM
Richard Weeks
Dallas, TX
REALTOR®, Broker

When the transaction closes and funds.

Jan 20, 2020 03:12 AM
Mel Ahrens, MBA, Kelly Right Real Estate
Kelly Right Real Estate - Hood River, OR
Customized Choices for your Real Estate Needs

In my part of Oregon, closing is after it is recorded. Keys are delivered typically after the recording. The contract usually states possession is at 5pm on the day of closing. 

Signing is not with both parties ate the same table; it occurs separately.

Jan 19, 2020 11:45 PM
Wanda Kubat-Nerdin - Wanda Can!
Red Rock Real Estate - St. George, UT
So Utah Residential, Referral & Relocation REALTOR

Upon recording with the County.

Jan 19, 2020 05:39 PM
James Dray
Fathom Realty - Bentonville, AR
Exceptional Agents, Outstanding Results

They get them at the closing table, it may take up to two weeks for the deed to be recorded.

Jan 20, 2020 02:09 AM
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

Ours is about the same, though we postpone the closing if the funds are not going to be there.

Jan 19, 2020 08:19 PM
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

Same in Florida, with rare exception.  

Jan 19, 2020 08:08 PM
Eve Alexander
Buyers Broker of Florida - Orlando, FL
Exclusively Representing ONLY Orlando Home Buyers

Typically when everything is signed and the funds are clear.

Reminds me of a crazy story...

Buyers closed on a thursday paying cash.  This was a foreclosure that was not in good shape and all the doors were not/did not lock.

The following Tuesday ( 5 days later), the buyer is working on securing the house (changing the locks) when the listing agent stops by and starts yelling at the buyer that they do not have permission to be there because the BANK DID NOT YET SAY IT WAS OK.  He was ready to call the police, so the buyer left.

As it turned out the agent then threatened to sue us and file ethics complaints because HE did not give us permission to be there. LA went on and on about how we were going to screw up his sweet deal of listing the banks property.

So realistically, think of this...meanwhile...

If someone trashes the house, a flood comes in, appliances are stolen or someone sents the house on fire, who do you think will be responsible?

The new owner who bought and paid for the house? OR the previous owner who has cashed the money?

You bet the previous owner or bank will never accept responsibility...they will just wash their hands by saying they no longer own the property.


Jan 20, 2020 06:57 AM
Doug Dawes
KW Evolution - Topsfield, MA - Georgetown, MA
Your Personal Realtor®

The property officially changes hand once the deed and other paperwork is recorded at the Registry of Deeds

Jan 20, 2020 08:08 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

When we get notification from the title company that the deed is recorded.  Then and only then we transfer keys to the new owner.

Jan 20, 2020 07:54 AM
Greg Large
ERA Real Solutions - Grove City, OH
A Tradition of Trust

ropund table here and generally keys transferred at funding.

Jan 20, 2020 07:49 AM
Greg Cremia
Shore Realty of the Outer Banks - Nags Head, NC

We are a race state. The first one to the courthouse with a deed owns it. Keys don't change hands until recordation.

Jan 20, 2020 04:52 AM
Anna Banana Kruchten CRS, Phoenix Broker
HomeSmart Real Estate BR030809000 - Phoenix, AZ

It's not done until its funded and recorded at the county. Period.

Jan 20, 2020 10:53 AM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

At the Clos

Jan 20, 2020 06:27 AM
Lyn Sims
Schaumburg, IL
Schaumburg Real Estate Agent Retired

In IL it is the same. Not sure why they are bothering today as it couldn't be recorded here. Seller gets check - buyer gets keys - recorded thru title company usually within a day.

Jan 20, 2020 07:26 AM
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


When the funds are transferred and the deed is recorded.  A

Jan 20, 2020 01:56 PM
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

Keys are typically handed over at closing in my part of Connecticut, before documents are recorded.

Jan 20, 2020 01:01 PM
Liz Whittingham
Re/Max LifeStyles Realty - Maple Ridge, BC
Real Estate Agent over 30 yrs. experience

Usually the day after the signing of documents at lawyers/notary by both parties and funds dispersed.  

Jan 20, 2020 12:59 PM
Caroline Gerardo
Sun West Mortgage Corporation - Newport Beach, CA
C. G. Barbeau the Loan Lady nmls 324982

Title company can record digitally - but things are not perfect.

It's always crummy for the seller if the lender funds on Friday and asks for a special like this long weekend when things are closed on monday. The deal legally transfers to the buyer but the seller's loan/note doesn't get paid off until Tuesday or Wednesday - thus causing the seller lots of extra per dium cost for a house they no longer own or occupy.  Answer larger than your question

Jan 20, 2020 12:21 PM
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

they can pay, but unless the deed is recorded, they don't get keys and the agents don't get paid..... 

Jan 20, 2020 11:46 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

At settlement.

Jan 20, 2020 08:17 AM
Tony Lewis
Summit Real Estate Group - Valencia, CA
Summit Real Estate Santa Clarita & Aliso Viejo

In California the property changes hands once it is recorded by the Title Company.

Jan 21, 2020 09:00 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Depends on what is agreed upon in the contract.   Usually it is at the table at the end of the closing when it is funded.  If they have a rent-back, then it is that day and time.

Jan 21, 2020 05:30 AM