Home Loan Closings: Avoid Delays and Close on Time

Buying a home is one of the biggest steps you’ll take in life. But let’s be real—home loan closings can sometimes feel overwhelming. It’s easy to see how things can go sideways between the paperwork, inspections, and financial stress. However, with the right preparation, home loan closings can be smooth, stress-free, and right on time. That’s exactly what you want, right?

Learn how home loan closings work, what causes delays, and how to protect your approval, closing funds, and scheduled closing date.

In this updated guide, we’ll show you how to avoid stress and delays in home loan closings, whether you’re a first-time homebuyer or refinancing your existing mortgage. We’ll cover all the essential information to make sure your loan closes promptly, allowing you to concentrate on settling into your ideal home.

Get Pre-Approved Before You Shop

Before beginning your home search, getting a pre-approval for a mortgage is essential. This step is non-negotiable. It sets your budget, shows sellers you’re serious, and helps you avoid heartbreak when you find the perfect house only to realize you can’t afford it.

Here’s Why Pre-Approval Matters:

• Saves time: No more guessing if you can afford the homes you tour.
• Gives you a clear budget: You know exactly how much home you can buy.
• Strengthens your offer: Sellers take you seriously, especially in competitive markets.

Mortgage lenders made getting pre-approved online in minutes even easier. Just remember, pre-approval isn’t the same as pre-qualification. Pre-approval requires a deeper look at your finances so the lender can give you a firm offer based on your financial situation.

Home Loan Closings: Avoiding Delays to Close with Confidence

The days leading to a home loan closing can cause excitement and stress. Your mortgage may be approved, your appraisal may be done, and your closing date may be set. Let’s be clear, though.

You won’t have access to the funds and the transaction won’t be officially complete until all final conditions are cleared and all required documents have been signed and recorded.

Clearing delays at closing may be caused by missing documents, changes in the borrower’s finances (including the borrower’s credit), and by property and appraisal issues. Insufficient Insurance, title defects, and issues with closing funds may also cause delays. The good news is many of these issues may be resolved or avoided by communicating with your loan officer and knowing what to expect.

Avoiding Home Loan Closing Delays

You should consider your income and finances to be largely the same once the documents are final and the loan is funded. You should avoid large, new, or unnecessary expenditures. Also, avoid new credit in any form.

Don’t change jobs, finance furniture, or move cash without a good record. Do not move cash that isn’t easily recorded. Lastly, don’t deposit cash that isn’t easily documented.

Always examine your Closing Disclosure to see your cash to close and wire instructions. However, verify final instructions using a trusted contact. Though receiving a “clear to close” is a momentous event, you are still not done protecting your approval. Keep taking direction from your lender until the loan actually funds and until the deed or mortgage has been officially recorded.

What Are Home Loan Closings?

Home loan closings represent the last stage of a buying or refinancing event. The borrower has the opportunity to officially sign the mortgage documents, pay the closing funds, and receive the loan closing terms. In the buying of a home, a closing also transfers the ownership from the seller to the buyer. Who handles this closing ultimately depends on the state and may be the title company, settlement agent, escrow company, or a real estate attorney.

There are Several Related Events Which the Word “Closing” May Refer to. These Include:

• The closing is the final approval of the mortgage.
• The Closing Disclosure is final and delivered.
• The borrower closes by signing the loan and the title documents.
• The buyer transfers the closing funds.
• The lender closes by funding.
• The deed and mortgage are closed by recordation.
• The final victory is receiving the keys.
• The final victory may occur at the same time or at different times.
• Some borrowers sign the documents and receive the keys right away.
• Other states require the funds to be recorded before the keys are delivered.

What Happens Before a Home Loan Closing?

There are many closing prep steps which need to occur before the actual closing.

Mortgage Processing and Document Review

The mortgage processor has the responsibility to collect and review the required documentation for the loan.

Some Examples of Documentation Include:

• Pay stubs
• W-2 forms
• Federal tax returns as applicable
• Bank and investment statements
• Identification
• Homeowners insurance information
• Purchase contract and amendments
• Gift-fund documents
• Bankruptcy, divorce, or child-support documents as applicable

The processor will request updated documentation if original statements or pay stubs become outdated prior to loan closing.

Keep Your Financials in Check During the Loan Process

From the time you apply for the loan to the day you close, you have one major job: keep your financials stable. This means no big purchases, no opening of new credit cards, and no sudden job changes. Even if you’re excited about your new home, now is not the time to buy that fancy new furniture or splurge on a car. Why is this important? Lenders will monitor your financial activity up until the closing.

Here are Some Things That Can Mess Up Your Home Loan Closing:

• Buying a new car: That shiny new car can throw off your debt-to-income (DTI) ratio, possibly denying your loan.
• Opening new credit accounts: New credit inquiries can lower your credit score or add to your debt.
• Changing jobs: A sudden employment change can raise red flags and delay the approval.

To avoid stress and delays, play it safe. Focus on paying bills on time, avoid unnecessary spending, and stay in touch with your loan officer if anything changes in your financial situation.

Choose the Right Lender

The lender you pick can greatly affect the home loan closing process. More mortgage lenders are available than ever, but not all are the same. It’s important to work with a lender with a strong history of closing loans on time and providing great customer service.

Here’s How to Choose the Right Lender:

Do Your Research:

• Look for online reviews and ask friends or family for recommendations.

Ask About Their Closing Timelines:

• Make sure they have a history of closing loans on schedule.

Stay in Communication:

• A good lender will keep you in the loop throughout the process and promptly ask for any additional documents.

By choosing a reputable lender, you’re already ahead of the game. They’ll help guide you through the process and ensure everything stays on track.

Understand the Home Loan Closing Process

The home loan closing process doesn’t have to be a mystery. It’s essentially the final step in making your home purchase official, but there are many moving parts.

Here’s What You Can Expect:

Clear to Close:

• After your lender approves your mortgage application, you’ll get the “clear to close.”
• This means you’re just days away from signing the papers and getting the keys to your new home.

Final Walkthrough:

• Before the closing day, you’ll walk through the property to ensure everything is as expected.

Review Documents:

• Three days before closing, you’ll receive a Closing Disclosure outlining all the final costs and terms of your mortgage.
• Review it carefully to avoid surprises on the big day.

Sign the Papers:

• On closing day, you will sign the required documents, pay any closing costs, and become a homeowner!

Mortgage Underwriting

The underwriter determines if the borrower, the subject property, and the proposed loan meet the requirements of the applicable program. The underwriter can issue a conditional approval to request other documentation or an explanation. The loan is not eligible to receive final approval until all conditions are reviewed and accepted. Final approval is not the same as a conditional approval.

Appraisal and Property Review

The appraisal aids the lender in determining if the subject property is sufficient security for the proposed mortgage. The appraiser may communicate health, safety, and structural or property-condition issues to the lender depending on the loan program.

Closings are Likely to be Delayed if:

• The appraisal value is lower than expected
• Required repairs are not completed
• The appraiser needs to do a final inspection
• There is a lack of sufficient comparable sales
• The property does not fulfill program requirements
• The property type was filled out incorrectly
• A non-permitted addition impacts the property review
• An appraisal is not a substitute for a professional home inspection.
• The appraisal is done mainly for the lender.
• The inspection is for the buyer to understand the condition of the property.

Preparing Title, Insurance and Closing

• A title search is done to see if there is a any claim to ownership of the property.
• The lender may need a proof of a homeowners insurance policy, flood-zone information, condominium documents, and homeowners association documents.
• When the borrower and the property have passed all approvals, the lender may give a clear to close and prepare the final closing documents.

Common Causes for Home Loan Closing Delays

While no two transactions are the same, below are some issues that tend to cause the most delays in closing a home loan.

Incomplete or Missing Mortgage Documents

• An underwriter may not complete a review if a document is missing a single page.
• Borrowers are advised to submit every page of a requested bank statement, even if the page is blank.
• The submitted documents need to be full pages and clear.
• They need to be original, unaltered, and uncut.
• Screenshots may not be accepted if the lender requires an official statement or transaction history.
• Reviewing your documents may take some time, but be assured that our response to your requests will be more expeditious.
• Watch for consistency in names and account details.

New Credit or Additional Debt

New verifiable debt, or credit opened, refines and may even score the borrower debt-to-income new ratios at closing. A new car, furniture, a personal loan, credit cards, lines of credit, co-signed debt or even a “no payment for 12 months” offer may create new verifiable debt and underwrite the loan again. Do not buy any vehicles, furniture, or appliances, or any other major purchases that may require new debt, until the loan funds and records, looking to close.

Employment or Income Changes

Lenders may re-verify your employment at a closing and many conventional loans require verification of employment at closing (Fannie Mae Selling Guide).

Immediately Inform Your Loan Officer if You:

• Are newly employed
• Are now self employed (from W-2 to 1099)
• Have lost your employment
• Have reduced your hours or are on unpaid leave
• Have a pay decrease
• Have a change from salaried to commission pay
• Have lost Overtime, bonus, or shift pay
• Are anticipating your employment to end
• Not every job change means your loan will be denied.
• However, lenders must verify that your new employment is acceptable and income is stable and documented.

Large Deposits or Undocumented Funds

• The down payment, closing costs, reserves and other funds must not create new debt.
• For large cash deposits, issuers usually expect a source of funds paper trail, which is typically very difficult to satisfy, especially for cash.
• This is because there usually is no record of the source for cash.

For Other Deposits, Alert Your Lender if You Plan the Following:

• Transfer money amongst accounts
• Sell your investments
• Receive monetary gifts
• Borrow on an asset
• Deposit funds from an off-market transaction
• Receive funds from your business
• Cash out your crypto
• Cash out your retirement account
• These funds may be your own, but the lender still needs to prove the funds are permissible.

Appraisal or Repair Issues

A low appraisal usually means that a buyer and seller will negotiate a lower sales price, or a buyer will agree to a larger down payment, or a buyer will challenge the appraisal, or a buyer will terminate the purchase agreement under a contingency. Government-backed loans will require that certain property conditions be rectified. Closing will take longer if the repairs are completed after the appraisal or an inspection is scheduled after the appraisal.

Title Problems, Liens or Disputes over Ownership

Some title problems are simple to correct, like a satisfied mortgage, and others more complex like Judgments, Probate, surveys or boundary disagreements, or missing an owner. Some title problems will take hours or days to resolve, and others will take much longer.

Homeowners Insurance or Flood Insurance Issues

The lender requires certain insurance prior to closing. If necessary property insurance is hard to obtain, if the premium is excessive, or if the coverage is inadequate, this may cause a delay. Fluctuating insurance premiums impact the borrower’s qualifying payment. An unreasonable increase in the premium may impact the borrower’s debt-to-income ratio, necessitating another underwriting decision. Insurance should be secured as early as possible and not be delayed until the final week.

Condo or Homeowners Association Issues

A condo loan may require a review of the entire condo project and may even require the association’s budgets, insurance, and reserves, as well as owner-occupancy information, and litigation, among other project documents. The association’s lack of response, incomplete documents, or the project’s failure to meet the mortgage program’s requirements may delay the closing.

Last Minute Changes to the Closing Disclosure

The Closing Disclosure shows the final or nearly final loan terms, the monthly payment, and the closing costs, as well as the funds the borrower needs to bring to closing. Not all corrections will cause a new waiting period.

However, a New Three-Business-Day Review Period Will Most Likely be Triggered If:

• The disclosed annual percentage rate changes
• The loan product changes
• A prepayment penalty will be included

Mortgage Wire Fraud

Criminals may send fraudulent emails that appear to be from a real estate agents, lenders, attorneys, or from a title company. The emails give false wiring instructions or state the wiring instructions have changed.

Never send closing funds based solely on email instructions. Always check the account name, bank details, and wiring instructions directly with the settlement company via a trusted phone number acquired prior to closing.

The Consumer Financial Protection Bureau advises borrowers to confirm instructions with a trusted source and to not trust last minute email changes.

How to Avoid Home Loan Closing Delays

There are many aspects of the closing process that are out of a borrower’s control. Fortunately, there are some things borrowers can do to help guarantee the closing will occur on the date that is expected.

Start With a Thorough Mortgage Preapproval

 

  A good preapproval is more than a quick phone call or an online guess. The lender has to carefully look at the borrower’s credit, the borrower’s income, and the borrower’s debts.

A preapproval is not a guarantee of final approval. The property, appraisal, title, insurance, updated financial information, and final underwriting conditions have to be cleared.

If the borrower has any complicated income, recent credit issues, large deposits, bankruptcies, foreclosures, disputed accounts, or if the borrower is buying a complicated and/or unusual type of property, then these issues have to be discussed during the preapproval.

Submit Complete Documents Upfront

Ask the loan officer for a thorough checklist of required documents. If possible, submit all of the required documents at once and in an organized manner. Do not assume the lender already has a document because it was supplied during an earlier conversation. Confirm that no documents have to be provided again before closing.

Maintain Your Financial Profile

Continue to pay all of your financial obligations. Avoid making unnecessary changes to your income, assets, credit, and debt.

Do Not:

• Open or close any credit accounts
• Increase any credit card balances
• Co-sign on any loans
• Miss any payments
• Change jobs without letting the lender know
• Transfer large sums of money without the lender knowing
• Use cash you set aside for the closing costs
• Take out a cash advance
• Contact your loan officer before making any financial decisions that may affect your application.

Document the Cash to Close Early

Request an estimate of the down payment and closing costs. Offer to pay any required prepaids, escrows, and reserves. Ensure the cash to close is in an acceptable account and is easily documentable. Ask whether gift funds, grants, seller concessions, lender concessions, and/or down payment assistance are being used correctly. Do not wait until closing day to discover that your bank limits wire transfers and requires you to visit the bank in person to complete the transfer.

Respond Quickly to Underwriting Conditions

Receiving a request for verification does not always mean anything has gone wrong in the process. Underwriters may need additional information before they are able to satisfy a requirement. Read each request carefully. Ask your loan officer or processor for clarification on what is needed before you submit a response. You may provide a clarification letter, but keep it as short as possible, and stick to providing only the relevant information.

Common Reasons for Home Loan Closing Delays (And How to Avoid Them)

We all want home loan closings to go smoothly, but sometimes delays happen. Here are the most common reasons for delays and how you can avoid them:

Missing or Incomplete Paperwork:

• Double-check all your financial documents (W2s, tax returns, bank statements) and provide them to your lender as soon as possible.

Appraisal Issues:

• If the home appraisal returns lower than expected, it can delay the process.
• You can avoid this by making sure the home is priced correctly.

Title Issues:

• Problems with the home’s title can delay the closing.
• Ask your lender for a title search early to catch any potential issues.

Credit Changes:

• Changes to your credit score can delay your home loan closing.
• To avoid any problems, do not take any actions that might hurt your credit.

What to Do If There’s a Delay?

If there’s a delay in closing, try not to panic. Delays can happen, but they don’t have to be stressful. Here are some steps you can take:

Stay Calm:

• It’s frustrating, but don’t let it overwhelm you. Your lender wants to close just as much as you do.

Communicate with Your Loan Officer:

• Ask what’s causing the delay and what steps are being taken to resolve it.

Have a Backup Plan:

• If you need to reschedule your move or temporarily stay somewhere else, have a contingency plan ready.
• This will make the process less stressful if delays do occur.

How to Speed Up Home Loan Closings

If you’re on a tight schedule, there are ways to speed up the closing process.

Here are a Few Tips to Help You Close Faster

Submit All Required Documents Upfront:

• Don’t wait until the last minute to provide the lender with pay stubs, tax returns, or bank statements.

Order the Appraisal Early:

• Appraisal delays are one of the biggest reasons closings get pushed back.
• By scheduling it early, you can avoid last-minute surprises.

Stay in Close Contact with Your Lender:

• The more you communicate with your loan officer, the quicker they can resolve any issues that come up.

Don’t Make Any Changes to Your Finances:

• Keep everything as consistent as possible to avoid triggering additional reviews from the lender.

Final Tips for a Smooth Home Loan Closing

To ensure a smooth home loan closing, here’s a checklist of things to keep in mind:

Stay Organized:

• Keep all your documents in one place so they’re easy to access if the lender asks for additional information.

Ask Questions:

• Ask your loan officer for clarification if something doesn’t make sense.
• It’s better to ask early than to be surprised later.

Double-Check the Closing Disclosure:

• This document details the terms of your loan and the closing expenses.
• Please examine it thoroughly to verify that all information is correct.

Analyze the Closing Disclosure Right Away

In most mortgage transactions, the lender has to make sure the borrower receives the Closing Disclosure at least three business days prior to consummation. This allows the borrower the opportunity to compare the final terms with the Loan Estimate and ask any questions. Review it as soon as you get it. Don’t wait until closing day.

Verify the Final Closing Funds Safely

Check the Following:

• Exact Cash-to-Close Amount
• Cashier’s Check or Wire Funds
• Deadline for Funding
• Recipient of the Funds
• Account Info Verification
• Your Bank’s Transfer Limits
• Use a phone number that you verified to be correct to call the title company, attorney, or settlement agent.
• Do not call a new number that appears in a phishing email.

Complete the Final Walkthrough

The final walkthrough lets the buyer ensure the property is in the expected condition prior to closing.

The Following Should Be Checked:

• Agreed repairs
• Remaining appliances
• Property condition
• Seller Personal Effects
• Functioning systems
• Vacant property
• Report any critical issues to the real estate agent or attorney prior to signing.

How to Review the Closing Disclosure

The Closing Disclosure is a key document in closing the home loan due to it legally being the last word on the home loan and having the last costs and terms of the mortgage. It is typically five pages long. The Consumer Financial Protection Bureau (CFPB) suggests looking for discrepancies between your Closing Disclosure (CD) and your last Loan Estimate (LE), and asking about any that you may find.

Basic Loan Terms

Confirm the Following is Correct:

• Name and address of Borrower and Property
• Loan amount and the
• Interest Rate and Loan Term and Loan Type
• Purpose of the Loan
• Estimated Monthly P&I
• Mortgage Insurance and Escrow
• Estimated Total Monthly Payment
• Also check if the Loan is Fixed Rate or an Adjustable Rate Loan.
• Also Compare Closing Costs
• Compare the total of Lender Charges, Title Charges, Taxes, Gov’t Fees, Prepaids, Escrow, and Credits to the Loan Estimate.
• Loan Estimate explain valid changes as needed.
• Confirm Cash to Close
• Cash to Close can consist of Down Payment, Closing Costs, Prepaids, Escrow, Earnest Money Credit, Seller Credits, Lender Credits, Gift Funds, and other adjustments.
• Never send Cash to Close until you have received confirmation from the Settlement Agent of the Final Amount and the payment instruction.

Risky Loan Features to Avoid

Pay Attention for the Presence of the Following Features:

• Adjustable rate mortgage
• Balloon payment
• Prepayment penalty
• Interest payments with no principal
• Subsidized payments
• Amortization of the loan is negative
• Do not sign anything that you do not understand and the CFPB advises that you do not sign unless you are comfortable with the terms.
• However, this might affect your purchase contract and your deposit.

Clear to Close Explanation

The loan conditions have been approved by the underwriter, and the lender is able to start preparing for the closing. It is one of the most important milestones, but it doesn’t mean that the transaction is complete.

There are Still a Number of Things That the Lender Has to Do After They Receive Clear to Close:

•  Employment has to be verified
• The lender has to verify the most up-to-date financial information
• Several quality-control reviews have to be conducted
• The final Closing Disclosure has to be approved
• Homeowners insurance has to be verified
• Title has to be confirmed clear
• The borrower’s closing funds have to be received
• The lender has to review the final property or repair documents
• Until the transaction is complete, you should continue to protect your credit, income, assets, and employment.

What to Bring to a House Closing

Your Agent Will Have Details About What to Bring to Closing, But Here are Some Things You  May Need to Bring:

• Government-issued ID
• Second ID
• Proof of Closing funds
• Cashier’s check (if allowed)
• Proof of homeowners insurance
• Requested documents
• Closing Disclosure
• Purchase contract/walking documents
• Marriage, divorce, trust, or power of attorney documents (if applicable)
• Confirm what forms of payment,  if any, will be accepted on closing day.
• Do not assume personal payment, cash, or a Cashier’s check will be accepted.

What Happens on Closing Day?

The process of closing will differ depending on the state and the transaction.

Signing Loan Documents

Documents you may be required to sign include the promissory note, Mortgage or Deed of Trust, various affidavits, tax forms, and occupancy certification, among others. You have the right to read all documents before signing and may delay the signing process if you have questions about why a term or amount is not what you expected.

Closing Funds Transfer

The agent will confirm that all funds have been provided, including Buyer funds, required lender funds, and seller credits. If funds are delayed, you will also be delayed in obtaining the keys to the property.

Funding and Recording

The loan is funded after the signing and the agent confirms all documents have been signed. The mortgage (or deed of trust) will be recorded along with the Deed to the property. Funding and Recording may occur on the same day as the Closing, but there is no guarantee.

Receiving the Keys

Buyers receive the keys at the signing, funding, or recording stage. Customs and the contract specify when a buyer takes possession. Do not arrange for movers based solely on the signing time. The funding time and key release time must be confirmed.

Purchase Closings Versus Refinance Closings

• The closings of a purchase mortgage and a refinance may follow the same underwriting process, but differ fundamentally in closing rights.
• A homebuyer does not have a federal right to cancel a signed purchase mortgage.
• Some refinances of a borrower’s principal residence may allow a three-business day right of rescission, which is subject to some exceptions.
• The Consumer Financial Protection Bureau states that this right of rescission three-day period does not apply to the purchase mortgage.
• Inquire with the lender and the closing agent if a rescission period is in your transaction and when the loan will fund.

What Causes Closing Delays?

Do not consider vague statements about the loan being “still in underwriting” to be sufficient explanation.

Find Out the Following:

• What condition remains open
• What party is responsible and how
• What is the required document or action
• Is the interest-rate lock at risk of expiring
• Is there a risk of an extension fee
• Will the purchase contract need to be extended
• Are updated bank statements or pay stubs needed
• Is there a loan underwriting delay due to the appraisal, title, insurance, or repairs
• When appropriate, notify your real estate agent, attorney, seller, and lender.
• The purchase contract extension should be signed by the parties responsible for the purchase contract.
• Do not move forward with plans to hire a moving truck, break a lease, or transfer utility services until the closing date is reasonably certain.

Example of a Home Loan Closing Delay

• Imagine a buyer who needs to come up with $18,000 in cash for closing costs and the down payment.
• One week prior to closing, the buyer deposits an undisclosed $10,000 cash gift from a relative.
• The buyer does not notify the loan officer because the total bank balance is now sufficient to close.
• During the final asset review, the underwriter sees the cash gift and requests additional documentation.
• The lender would require a cash gift letter, documentation of the donor’s funds, and proof of the cash gift.
• If the documentation cannot be provided, the funds would not be eligible.
• The loan may still be delayed, even after the borrower has already received conditional approval.
• The loan gift should, ideally, have been discussed with the lender prior to the gift funds being sent.
• The loan officer would have been able to explain the requirements of the program and gather the necessary paperwork in advance.

Final Home Loan Closing Checklist

Close to the Loan Closing, You Must Have…

• Sent every document requested
• Satisfied each condition set by the underwriter
• Not changed your employment or income
• Not incurred any new debt or credit
• Paid all bills promptly
• Explained the cause of a large deposit/transfer
• Explained the source of cash to close
• Purchased proper homeowners insurance
• Reviewed the appraisal and any required repairs
• Reviewed and reconciled the Closing Disclosure against the Loan Estimate and verified the final cash-to-close
• Verified wire instructions
• Completed the final walk through
• Confirmed time and place for signing
• Confirmed time of funding, recording, and key delivery

Final Thoughts on Avoiding Delays in Home Loan Closings

Numerous steps and parties are involved in a home loan closing beyond initial approval. Timely closing of home loans relies on the borrower protecting themselves through the submission of correct documents, avoiding any financial changes, ensuring prompt responses and reviewing final loan terms, and verifying closing funds through a secure method. Assuming nothing about changes you see can help you get into your new home faster. Before you change jobs, run a credit report, move savings around, or make a big purchase, reach out to your loan officer. While communication and preparation can’t eliminate the chance for delays, they will significantly reduce last-minute issues and help you arrive at your closing with less stress.

Conclusion: Make Your Home Loan Closing a Success

Closing your new home is exciting but requires careful planning to avoid stress and delays. By getting pre-approved, keeping your finances steady, choosing a reputable lender, and staying organized, you’ll be ready for a smooth and stress-free home loan closing. Today is the perfect time to leap into homeownership or refinance your existing mortgage. With interest rates still competitive and the housing market full of opportunities, there’s no reason to delay your plans. Ready to close on your dream home? Call us at 800-900-8569 or email us at alex@gustancho.com to speak with our team of experienced loan officers today and get started on your journey!

Frequently Asked Questions About Home Loan Closings:

This Guide About “Ways to Avoid Stress and Delays in Home Loan Closings” Was Updated on July 27, 2026.