In NH the deed, and mortgage are usually recorded within 24 hrs. But since the registry closes on week days by 4pm and you need to be there 15 min. ahead to get your deed recorded sometimes that doesn't happen. And if it's a Fri. then it may be Mon before the deed and mortgage get recorded. Most title companies have gap insurance so that there are no issues with this delay. But if there will be a delay and it is a small company or possibly a MA lawyer who is handling the closing sometimes the funds are not dispursed until everything is recorded. If there are no dispursements it is up to the seller to decide if they will give the keys over to the buyer or wait until the receive their funds. It can be frustrating but generally it all goes smoothly.
Here in New Hampshire virtually all deeds are recorded within 24 hours of closing. The registry of deeds closes at 345pm weekdays. In New Hampshire a closing can take place without immediately recording the deed as the attornies have gap insurance in case anyone files a lien between the time you sign and the deed gets recorded. Most attornies will not disperse the funds until the deed and mortgage are recorded. It is always best to close in the morning to insure same day recording, If you need immediate recording then schedule your closing at the registry of deeds and the closer will have you sign, record the deed and come back to the table and disperse. If you have any other questions please let me know.
Godzyk Realty Group