You are at the attorney’s office, you just signed a bunch of paperwork promising to pay your mortgage. So, why aren’t you getting the keys?
Quite simply, the house isn’t yours…yet. When you go to the attorney’s office and do all the paperwork that is called “settlement.” The house isn’t your until “closing.” Closing is when the attorney goes to the county courthouse and records the deed, at that point the house becomes yours and you can then get your keys.
Usually the attorney will record within a couple of hours of settlement. So you need to consider this when scheduling closing. If you are planning on moving into your house over the weekend and settlement is scheduled for 4pm on Friday the attorney likely will not record until Monday, meaning you can’t move in over the weekend because the house isn’t yours!