Real estate closings confuse almost everyone. Buyers show up expecting keys. Sellers expect a check. Neither happens the moment the paperwork is signed, and that gap between expectation and reality is exactly what Chelsea Metka, founder of the Metka Law Firm, breaks down in this episode.
Chelsea walks through the full closing process, from contract execution to post-closing wires and recorded documents. She covers what happens during intake and processing, why title commitments require careful review, what Schedule B-2 actually means for a buyer, and how tools like surveys, municipal lien searches, and estoppel certificates protect everyone at the table.
Chelsea also explains the three-day TRID rule, who shows up at the closing table and why, and what can quietly derail a deal if nobody catches it in time.
In this episode, you will hear:
- Why buyers expect keys and sellers expect checks the moment signing ends, and why neither works that way
- The four phases of a closing, from intake and processing through post-closing wires and recorded documents
- What the title commitment actually promises, and why objecting to the right items expands a buyer’s insurance coverage
- How Schedule B-2 works, and what surveys, municipal lien searches, and estoppel certificates each reveal
- Why cash contracts closing in 10 days require immediate action on HOA estoppels and title orders
- The three-day TRID rule, what triggers a reset, and why the first closing disclosure is almost never the final one
- Who sits at the closing table, what each person is responsible for, and where the line is on legal advice
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