Has the lender funded the loan? There may be a final condition that they wont sign off on to release the funds for settlement. Something is off, I would start asking different questions to get to the bottom of it.

Marilyn, I feel your pain. Once you sign your paperwork at the title company, the bank still needs to sign off on the HUD (closing statement). Sometimes title will have you sign everything to expedite the process, yet there's still more work to be done behind the scenes. The bank does not have "the deed" so that is not the real reason for the delay. Ask your Realtor to call the title company and find out exactly what the delay is, and what's being done to satisfy those requirements. Hopefully you'll close by the end of the week! Best of luck in your new home.