It’s important to understand what the closing of a home entails when buying a home in York County so that you can be properly prepared. There were recently several changes made to the Real Estate Settlement Procedures Act and the Truth in Lending Act that you should be aware of since they affect closing rules. The following are those changes:

  • The Closing Disclosure is required to be given to the consumer 72 hours before the scheduled closing time. If any changes are made during that three day period, then the scheduled closing time should be delayed.
  • A Loan Estimate is now required to be provided to the prospective buyer within three days of when the loan application was received. 
  • The HUD-1 Settlement Statement can be presented on the day of the closing to the buyer. Any changes can take place during the closing of the loan.

These changes to the closing rules are meant to help streamline the loan application process, making it easier for consumers to understand all the relevant details by having them clearly written on a single page. For additional advice on buying a home in York County, be sure to contact us at Randy Lindsay today.


Randy has enjoyed over 32 wonderful years in the Real Estate industry making dreams come true for homeowners.

Superior customer service is #1 to Randy and he provides this to all of his clients using knowledge, professionalism, integrity and persistence.

Randy is a successful and experienced real estate agent who expertly represents both buyers and sellers. Scores of Charlotte area residents have trusted Randy in the process of listing their homes to sell.

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Real Estate in Rock Hill,

Fort Mill and surrounding

York county

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