There has been a lot of talk about the Dodd Frank Act and many people are acting like the sky is falling now that there is a new closing disclosure procedure.  But it is not.  While this act is going to possibly delay closings at first many delays can be avoided if the the Realtor, Title Agent & Loan officer communicate on a regular basis and work together on the transaction.  One of they keys to a timely closing is getting any buyer expenses to the bank as soon as possible.  The days of waiting until the last minute to get surveys and secure Home Owner's Insurance quotes are over.  Realtors will need to be more proactive in their transactions than they have been in the past.