Loans are taking a lot longer to process and underwrite now than they have in many years, so if the agent who wrote your contract put in a closing date that was too soon, the bank can't be held at fault. 30 day closings were common in years past where everything was done with very little documentation. Underwriters only looked at appraisals to see if they came in at value, not how they were actually done, and what comps were used. They took 1 pay stub, or no paystub at all sometimes. They never looked at tax returns, or pulled them from the IRS, now they do both. There are numerous quality control steps that they have to go through to verify that no one involved in the transaction is on any watch list of any kind. That is just to name a few things, so yes, they can postpone a closing date because they are backed up.