What Is a Clear-to-Close (CTC) in NH Real Estate?

🏡 What Is a Clear-to-Close (CTC) in NH Real Estate?

If you’re buying a home in Plymouth, Campton, Thornton, Rumney, or anywhere across Central NH, one of the biggest milestones in the mortgage process is hearing the lender say you’re “clear to close” — often called CTC.

This is the final approval before closing and signals that all underwriting conditions have been met.

Here’s exactly what Clear-to-Close means and what happens next in New Hampshire.

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What Does Clear-to-Close Mean?

Clear-to-close means the lender has:

✔ Verified your income

✔ Reviewed your credit

✔ Approved your assets and bank statements

✔ Checked your employment

✔ Reviewed the appraisal

✔ Completed all underwriting conditions

Once you’re CTC, the lender authorizes the closing department to prepare the final loan documents.

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What Happens Before You Get Clear-to-Close?

NH buyers typically go through:

• Pre-approval

• Full underwriting review

• Submitting documents (W-2s, pay stubs, bank statements)

• Appraisal ordered and reviewed

• Conditions or questions from the underwriter

• Final employment verification

Once everything checks out, the underwriter issues the CTC.

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What Happens After You Receive Clear-to-Close?

Once you’re CTC:

✔ The lender prepares your final closing package

✔ A closing date/time is confirmed

✔ The Closing Disclosure (CD) is finalized

✔ You review and sign the CD at least 3 days before closing

✔ Cash-to-close is calculated

✔ The title company or attorney schedules the closing

This is the last major step before you get the keys.

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What Can Delay a Clear-to-Close in NH?

Common delays include:

• Missing documents

• Unverified funds

• Big purchases before closing

• Appraisal issues

• Employment changes

• Title defects

• Insurance problems (especially for rural properties)

Addressing conditions quickly helps keep things on track.

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Why Clear-to-Close Is Important

Getting CTC means:

✔ Your loan is officially approved

✔ Your file is complete

✔ You’re ready to sign final documents

✔ Only scheduling and final signatures remain

It’s the moment most NH buyers feel the deal become “real.”

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Keywords

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Jim Johnson — Real Estate Agent

58 NH Route 25A

Wentworth, NH 03282

P: (857) 249-7392

W: www.JimJohnsonRealEstateAgent.com

Licensed New Hampshire REALTOR® with Three Hills Real Estate Services

Broker Email: info@ThreeHillsRES.com

Broker Website: www.ThreeHillsRES.com