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It is not uncommon for homes to close late in today's market, especially if it is a bank owned home. There are so many rules and regulations that need to be followed that things often do not get done quickly. If you are dealing with banks, they are overwhelmed and get to it as soon as they can. As a Buyer you are emotionally involved and want everything done now. For them, it is just another closing.Accept it and enjoy your new home.
The escrow company should have informed you how they accept your funds to close. Typically they need a wire by 11a.m. - 12p.m. on the day of closing or a cashier's check the business day before closing. A personal check can take up to 10 days to clear. If you feel they did not explain this to you beforehand I would take it up with the manager/owner of the company and perhaps they can compensate you in some way. Good luck!
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