Closing During the Holidays: What Southern Indiana Buyers and Sellers Need to Know in 2025

Published: November 24, 2025

Closing on a home during the holidays can feel exciting—but timing matters more this time of year. Aristocrat Title is sharing key guidance to help buyers, sellers, and real estate professionals avoid delays and move confidently toward the finish line across Southern Indiana and Greater Louisville.

Why Holiday Closings Require Extra Planning

Between bank closures, reduced courthouse hours, and lender volume spikes, even small oversights can push a closing into the new year. Aristocrat Title encourages all parties to plan ahead to ensure a smooth transaction from contract to keys.

For a recent example of seasonal community involvement, see Aristocrat Title’s support of the REACH Thanksgiving initiative.

1. Bank & Wire Cutoff Times Change This Season

Most financial institutions operate with limited hours during the holidays. Wire transfers may stop earlier than usual, especially around:

  • Thanksgiving weekend

  • Christmas Eve and Day

  • New Year’s Eve and Day

Because Indiana is a Good Funds state, funds must clear before closing. Cashier’s checks may be acceptable below legal thresholds, but wires remain the safest option.

For wire instructions, always call to verify using a known phone number—never from email alone.

2. Recorder & Courthouse Office Closures

County offices may shut down or operate with reduced staff. This can impact recording times for:

  • Clark County

  • Floyd County

  • Orange County

  • Harrison County

Aristocrat Title monitors local schedules and submits documents promptly to avoid gaps between signing and recording.

3. Remote and Mobile Signing Options

For added convenience during travel season, Aristocrat Title offers:

  • Remote signing options, when permissible

  • Mobile closings at no additional cost in Louisville, Kentucky

These solutions help prevent rescheduling when buyers or sellers are out of town.

4. Power of Attorney Planning

If a signer will be unavailable:

  • Arrange for a power of attorney in advance

  • Ensure lender approval

  • Confirm notary requirements for Indiana or Kentucky

Last-minute POAs are a common holiday delay—early preparation keeps the closing on track.

5. Earnest Money & Contract Deadlines

Earnest money deposits may be delayed by bank closures. Aristocrat Title recommends:

  • Depositing as early as possible

  • Verifying receipt

  • Communicating clearly with all parties

Working ahead can prevent contract default concerns.

6. Lender Volume and Turnaround Times

End-of-year closings often surge. To stay ahead:

  • Order title work early

  • Submit HOA documents in advance

  • Respond quickly to lender requests

  • Avoid last-minute contract changes when possible

Proactive coordination keeps timelines firm—even in the busiest season.

Local Expertise Matters

Aristocrat Title is locally owned and rooted in the communities it serves, providing personalized service throughout Southern Indiana and Greater Louisville and understanding county-specific requirements that impact timing and recording.

To learn more or schedule a closing, visit aristocrattitle.com or call 812.282.8704.

Final Thoughts

Closing during the holidays doesn’t have to feel stressful. With early planning, clear communication, and a knowledgeable title partner, buyers and sellers can celebrate both the season and a successful closing.

Aristocrat Title is here to help every step of the way.