The holiday season is festive, busy, and full of excitement—but it can also be one of the trickiest times of year to close on a home. With travel schedules, office closures, and increased demand for services, delays can happen if you're not prepared. Here's how to stay ahead.
1. Get All Paperwork Completed Early
The biggest holiday delays often come from missing documents. Lenders, escrow officers, and title reps may be working with reduced staff or holiday hours, so getting ahead is essential.
Make sure to complete:
- Loan application documents
- Proof of funds
- Disclosures
- Inspection reports
- HOA paperwork (if applicable)
The earlier everything is submitted, the fewer surprises later.
2. Communicate Your Travel Schedule
Buyers, sellers, agents, and lenders should share travel dates early. If anyone will be out of town, plan for:
- E-signature access
- Remote notarizations (if allowed)
- Backup contacts
Being unreachable—even for 24 hours—can hold up a closing.
3. Schedule Inspections ASAP
Inspectors and contractors get booked quickly during the holidays. Don't wait. Schedule:
- Home inspections
- Pest inspections
- Roof, sewer, or chimney inspections (if needed)
Early scheduling ensures you'll have time to negotiate repairs and avoid last-minute headaches.
4. Check Lender & Title Office Holiday Hours
Banks, lenders, and escrow companies may close for multiple days around the holidays. Confirm their schedules to avoid delays in:
- Funding
- Wire transfers
- Document recording
- Final approvals
A missing signature or delayed wire can push a closing into the next week—or longer.
5. Avoid Last-Minute Big Purchases
Buyers often forget this one. Holiday deals make it tempting to buy new furniture or appliances, but large purchases can impact your debt-to-income ratio and delay loan approval.
Avoid buying:
- Cars
- Furniture
- Appliances
- Large credit card purchases
Keep your credit stable until after closing.
6. Be Prepared for Weather-Related Slowdowns
Winter storms can delay appraisals, inspections, and even movers. Build in extra time and flexibility if you're in an area prone to bad weather.
7. Respond Quickly to All Requests
During the holidays, every hour counts. Responding quickly to your agent, lender, or escrow officer can keep your transaction moving while others slow down. Fast communication becomes a superpower this time of year.
8. Consider a Longer Escrow Period
If you know the holidays will complicate scheduling, build in extra days up front. A slightly longer escrow can reduce stress and keep expectations realistic.
9. Stay Flexible and Solution-Focused
Even with planning, delays can happen. Staying flexible and focusing on solutions rather than stress helps everyone move forward smoother and faster.
The Bottom Line
Holiday closings can absolutely stay on track—you just need extra preparation, clear communication, and a proactive mindset. By planning ahead and staying responsive, you'll avoid unnecessary delays and enjoy a smooth, successful closing, even in the busiest season of the year.
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