Contract to Close: Selling Your Arizona Home

Once you accept an offer, the home goes under contract and a series of steps and deadlines begins. Each one is a place a deal can stall or fall apart, and in Arizona the whole stretch commonly runs about 30 to 45 days. Knowing what is coming keeps you in control.

Earnest money is deposited with the escrow or title company, which acts as the neutral third party holding funds and handling the paperwork through to closing.

Inspection period: the buyer inspects and may request repairs or a credit. This is a second negotiation, and how you handle it protects your net.

Appraisal: if the buyer is financing, the lender orders an appraisal. If it comes in below the price, that is another moment that has to be navigated.

Loan underwriting: the lender works the buyer's file toward final approval. This is where weak buyers fall out, and why up-front qualifying matters.

Title work: the title company confirms clear title and resolves any liens or issues so ownership can transfer cleanly.

Final walkthrough, signing, funding, and recording: the buyer does a last walkthrough, both sides sign, the loan funds, the deed records, and possession transfers.

Properties on septic need inspection and transfer per Maricopa County Environmental Services (https://www.maricopa.gov/5547/Onsite-Wastewater-Septic-Systems). Well properties may need share agreements and ADWR records (https://www.azwater.gov/). Certain unincorporated land sales require the Affidavit of Disclosure under https://www.azleg.gov/ars/33/00422/. Line these up early so they do not blow your closing date.

Missed deadlines, inspection standoffs, appraisal gaps, and loan delays are where transactions break. My job through this stretch is to manage every date, anticipate the snags, coordinate the title company, lender, and the other side, and keep your sale moving to the closing table. This is the part sellers tell me they are most relieved not to do alone.

*General information, not legal or tax advice. Confirm specifics with the relevant professional.*

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