The First-Time Buyer’s Timeline: What Happens After the Offer? (Southern California Edition)

So, you’ve found the home you love in Southern California, made an offer, and it got accepted. Congratulations! But what happens next? For many first-time buyers, the steps that follow can feel like a whirlwind. To help you stay grounded and informed, here’s a realistic timeline of what to expect from offer acceptance to getting your keys in SoCal’s fast-paced real estate market.

1. Offer Accepted (Day 0)

Once your offer is accepted, you’re officially in escrow. In Southern California, escrow periods typically last 30 to 45 days. Be ready to move quickly, especially in competitive markets like Los Angeles, Orange County, and San Diego.

2. Schedule a Home Inspection (Day 1–3)

You usually have 5–10 days for the inspection contingency. Don’t delay. Schedule a certified home inspector immediately. The inspector will evaluate major systems like roofing, foundation, HVAC, plumbing, electrical, and more. You’ll receive a detailed report outlining key findings.

Tip: If you’re buying in areas like Riverside or the Inland Empire, inspections may reveal issues related to heat, expansive soil, or older utility infrastructure.

3. Appraisal Ordered (Day 5–10)

Your lender orders a home appraisal to verify the property’s value. In SoCal, where home prices can vary drastically by neighborhood, accurate appraisals are critical. If the home appraises under the agreed purchase price, you may need to renegotiate.

4. Loan Underwriting (Day 10–25)

Lenders dive deep into verifying your financials. Southern California buyers should be especially cautious with debt-to-income ratios due to high home prices. Provide any requested documentation immediately to avoid delays.

Tip: Don’t open new credit cards or finance a car during this period—it could cost you your loan.

5. Request for Repairs & Negotiation (Day 10–15)

Use your inspection report to request repairs or a credit. In older SoCal homes (especially pre-1970s), watch for outdated electrical systems, galvanized plumbing, or foundation issues due to seismic activity.

6. Final Loan Approval (Day 20–30)

Once underwriting is complete and all conditions are met, you’ll receive your "clear to close."

7. Final Walkthrough (Day 28–30)

You and your agent will visit the property to ensure agreed-upon repairs are done and the home is in the same condition.

8. Closing Day (Day 30–45)

Time to sign your closing documents, wire in funds, and finalize the deal. Escrow and title companies handle this step with precision in SoCal markets.

9. Get Your Keys!

Once the county records the sale (often the same or next business day), the home is officially yours.