Ten days from contract. It slid to eleven only because the sellers were not ready to sign on the day. Worth knowing the floor. Federal disclosure rules (TRID) build mandatory waiting periods into every purchase loan, counted in business days: you must receive the Loan Estimate at least seven business days before closing and the Closing Disclosure at least three business days before, and mailed disclosures add another three business days to the count. The roughly eight days people cite is industry shorthand for how those periods stack, and the waiting periods can only be shortened for a documented bona fide personal financial emergency, which almost never applies. Plan as if the clock is fixed. What let that deal move so fast was everything lining up at once: - The appraisal was waived, so nobody was waiting on a valuation. - The underwrite came back clean with only two conditions, one already satisfied by a document the underwriter had initially overlooked. - Disclosures went out the same day, and the file hit underwriting on day two. - The sellers were motivated. The real lesson: speed is a team sport. A fast close happens when the seller, the borrower, and the lender are all equally motivated and organized. Any one of the three dragging on documents, signatures, or scheduling resets the clock.