It has been around 30-45 days since your offer was accepted and is now time to finalize the purchase. Your lender and title company are working together to properly prepare the final paperwork to transfer the title into your name. You will meet with the title company (usually one hour) where you will sign the final loan documents and submit your down payment. 

Once you and the seller have each signed the final documents, the title company will file the deed in the respective county. Once the deed has transferred, the home is officially yours! You will receive the keys according to the purchase agreement.

Your agent at this point will release the lockbox code (with permission from the seller) or meet you to officially deliver you the keys.

Congratulations! You are officially a homeowner!