2021 Monthly Closing Calendars - Franklin American

Monthly Closing Calendars

WHOLESALE LENDING

January 2023 ....................................................................................................................................................................... 2 February 2023 ..................................................................................................................................................................... 3 March 2023 ......................................................................................................................................................................... 4 April 2023........................................................................................................................................................................... 5 May 2023............................................................................................................................................................................ 6 June 2023........................................................................................................................................................................... 7 July 2023 ........................................................................................................................................................................... 8 August 2023 ........................................................................................................................................................................ 9 September 2023 .................................................................................................................................................................. 10 October 2023...................................................................................................................................................................... 11 November 2023 ................................................................................................................................................................... 12 December 2023 ................................................................................................................................................................... 13

Note While Using This Resource: The Loan Estimate (LE) must be delivered within three business days of loan application. Citizens is not substantially open for business on Saturday. Final Closing Disclosure (CD) must be acknowledged within three business days prior to closing date; assumes Citizens does not close loans on Saturday. These calendars do not represent legal interpretation, guidance, or advice and are not a substitute for the Consumer Financial Protection Bureau (CFPB) rules. Only the CFPB rules and their

Official Interpretations can provide complete and definitive information regarding CFPB requirements.

Equal Housing Lender. Mortgages are offered and originated by Citizens Bank, N.A. Citizens is a brand name of Citizens Bank, N.A. (NMLS ID #433960). For mortgage banking professionals only; not authorized for distribution to consumers or third-parties. ?2023 Citizens Financial Group, Inc. All rights reserved.

Sunday

Monday

1

2

3

New

New Year's Day

Year's

(Observed)

Day

Citizens Offices Closed

January 2023

TueWsdHayOLESALE WLEedNnDesIdNayG

4

5

Thursday

Friday 6 Last business day to fund any interest credit for FHA loans

Saturday 7

(Counts in rescission and

earliest date to close/sign

calculation. Refer to Holiday

Job Aid for full details.)

8

9

10

11

12

13

14

Last business day to

fund any interest credit

for VA, Conventional, or

USDA loans

15

16

17

18

19

20

21

Dr. Martin Luther King

If final CD acknowledged

Jr. Day

today, the earliest date of

Citizens Offices Closed

consummation is January

24th.

(Does not count in rescission

or earliest date to close/sign

calculation. Refer to Holiday

Job Aid for full details.)

22

23

24

25

26

27

28

If final CD acknowledged If final CD

If final CD

If final CD

If final CD acknowledged

today, the earliest date acknowledged today,

acknowledged today, acknowledged today,

today, the earliest date of

of consummation is

the earliest date of

the earliest date of the earliest date of

consummation is January

January 26th.

consummation is

consummation is

consummation is

31st.

January 27th.

January 28th.

January 30th.

Last day to close/sign

any refinance scheduled

to fund in January

29

30

31

If final CD acknowledged If final CD

today, the earliest date acknowledged today,

of consummation is

the earliest date of

February 2nd.

consummation is

February 3rd.

Sunday

Monday

February 2023

TueWsdHayOLESALEWLeEdnNeDsdIaNyG

1

2

Thursday

Friday 3

Saturday 4

5

6

12

13

7

8

9

Last business day to

fund any interest

credit for FHA loans

14

15

16

10

11

Last business day to fund

any interest credit for

VA, Conventional, or

USDA loans

17

18

If final CD acknowledged

today, the earliest date

of consummation is

February 22nd.

19

20

21

22

23

24

25

Presidents' Day

If final CD

If final CD

If final CD acknowledged If final CD acknowledged

Citizens Offices Closed acknowledged today, acknowledged today, today, the earliest date today, the earliest date

the earliest date of

the earliest date of of consummation is

of consummation is

(Does not count in

consummation is

consummation is

February 27th.

February 28th.

rescission or earliest date to close/sign calculation. Refer to Holiday Job Aid for full details.)

February 24th.

February 25th.

Last day to close/sign any refinance scheduled to fund in February

26

27

28

If final CD acknowledged If final CD

today, the earliest date acknowledged today,

of consummation is

the earliest date of

March 2nd.

consummation is March

3rd.

Sunday

Monday

March 2023

TueWsdHayOLESALEWLeEdnNeDsdIaNyG

1

2

Thursday

Friday 3

Saturday 4

5

6

12

13

7

8

9

Last business day to

fund any interest

credit for FHA loans

14

15

16

10

11

Last business day to fund

any interest credit for

VA, Conventional, or

USDA loans

17

18

19

20

21

22

23

24

25

If final CD acknowledged If final CD

If final CD

If final CD acknowledged If final CD acknowledged

today, the earliest date acknowledged today, acknowledged today, today, the earliest date today, the earliest date

of consummation is

the earliest date of

the earliest date of of consummation is

of consummation is March

March 23rd.

consummation is March consummation is

March 27th.

28th.

24th.

March 25th.

26

27

28

29

30

31

If final CD acknowledged If final CD

If final CD

If final CD acknowledged If final CD acknowledged

today, the earliest date acknowledged today, acknowledged today, today, the earliest date today, the earliest date

of consummation is

the earliest date of

the earliest date of of consummation is April of consummation is April

March 30th.

consummation is March consummation is April 3rd.

4th.

Last day to close/sign

31st.

1st.

any refinance scheduled

to fund in March

Sunday

Monday

April 2023 TueWsdHayOLESALEWLeEdnNeDsdIaNyG

Thursday

Friday

Saturday 1

2

3

4

5

6

7

8

Last business day to fund

any interest credit for

FHA loans

9

10

11

12

13

14

15

Last business day to fund

any interest credit for

VA, Conventional, or

USDA loans

16

17

18

19

20

21

22

If final CD acknowledged If final CD

If final CD

If final CD acknowledged If final CD acknowledged

today, the earliest date acknowledged today, acknowledged today, today, the earliest date today, the earliest date

of consummation is April the earliest date of

the earliest date of of consummation is April of consummation is April

20th.

consummation is April consummation is April 24th.

25th.

21st.

22nd.

23

24

25

26

27

28

29

If final CD acknowledged If final CD

If final CD

If final CD acknowledged If final CD acknowledged

today, the earliest date acknowledged today, acknowledged today, today, the earliest date today, the earliest date

of consummation is April the earliest date of

the earliest date of of consummation is the of consummation is May

27th.

consummation is April consummation is April May 1st.

2nd.

30

Last day to close/sign

28th.

29th.

any refinance scheduled

to fund in April

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