Getting an offer accepted is a major milestone. For many buyers, it feels like the hardest part is over. In reality, the period between offer acceptance and closing is where most unexpected issues arise.
In the Coachella Valley, this phase can feel especially confusing because multiple parties are involved at once: the lender, escrow, appraiser, insurance provider, and sometimes an HOA. Knowing what typically causes surprises — and how to prepare for them — can make the entire process feel far more manageable.
Here’s what buyers should understand to move from acceptance to closing with confidence.
One of the biggest misconceptions buyers have is that surprises mean something has gone wrong. In most cases, that’s not true.
Surprises usually come from:
documents being requested later than expected
third-party timelines (appraisals, insurance, HOA documents)
changes discovered during verification
These steps are part of every purchase. Understanding the sequence helps reduce stress when requests arrive.
A clear overview of the mortgage process from application to closing is outlined by the Consumer Financial Protection Bureau here.
Many buyers are surprised to learn that “loan approval” doesn’t mean the lender stops asking questions. Verification continues until closing.
Common last-minute document requests include:
updated bank statements
proof of large deposits
clarification of employment or income
updated insurance information
This doesn’t mean something is wrong. It simply means lenders are required to confirm that nothing has materially changed since the initial review.
Preparing documents early and responding quickly can prevent unnecessary delays. Buyers who want to understand what lenders typically review can explore preparation tools here.
An appraisal does more than confirm value. It also evaluates the condition and marketability of the property.
In the Coachella Valley, appraisals sometimes raise questions related to:
comparable sales in seasonal markets
unique property features
repairs required for certain loan types
According to the National Association of Realtors, appraisal-related questions are one of the most common causes of closing delays nationwide.
Most appraisal issues are resolved through documentation or clarification, but knowing they’re part of the process helps set expectations.
Insurance requirements are often overlooked until late in the process. Desert properties can have varying insurance needs depending on location, age, and construction type.
Similarly, HOA documents can affect:
loan approval
monthly payment calculations
closing timelines
In some cases, missing HOA paperwork — not the loan itself — causes the delay. Buyers who account for these details early tend to experience smoother closings.
If you’re preparing for a purchase, reviewing local requirements ahead of time can help.
The smoothest transactions usually have one thing in common: consistent communication.
Buyers who:
ask questions early
respond promptly
avoid major financial changes during escrow
understand what’s coming next
tend to feel more in control and less surprised.
Guidance from the U.S. Department of Housing and Urban Development explains why financial stability during escrow is so important.
Many buyers focus on closing as fast as possible. In reality, the goal should be closing with confidence.
Avoiding surprises doesn’t mean avoiding questions. It means understanding why questions arise and knowing how to respond when they do.
When buyers know what to expect, the path from acceptance to closing feels far less overwhelming.
Is it normal to be asked for documents after my loan is approved?
Yes. Verification continues until closing.
Do appraisal issues mean my deal is at risk?
Not usually. Most appraisal questions are resolved with documentation or negotiation.
Can insurance or HOA issues delay closing?
Yes. These are common sources of unexpected delays if not addressed early.
What should I avoid during escrow?
Large purchases, new debt, or changes to employment without consulting your lender.
The period between acceptance and closing doesn’t have to feel uncertain or overwhelming. With the right preparation and guidance, surprises can be minimized and confidence can stay high.
???? If you’re under contract or planning to make an offer soon, fill out the contact form on this page or reach out today.
The smoothest closings start with clear expectations and the right support.
We've been helping customers afford the home of their dreams for many years and we love what we do.
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www.nmlsconsumeraccess.org
777 E. Tahquitz Canyon Way, Suite 200-47
Palm Springs, CA 92262
Phone: 760-969-5023
Fax: 760-969-5024
art@mwloan.com
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