Arizona financing / loan approval deadline
When the buyer must have loan approval or give notice to keep the financing contingency. Pushing back closing usually does not push back this date.
Arizona REALTORS Residential Resale Real Estate Purchase Contract
AAR form, Feb 2026 revision (proof/sample reviewed)
Loan Status Update (LSU) delivered
By default it is 10 calendar days after the Effective Date (§2). The deadline is 11:59 PM local time.
Source: www.aaronline.com · checked 2026-10-16
Loan approval without PTD conditions (at least 3 days before COE)
By default it is 3 calendar days before Closing (§2b). The deadline is 11:59 PM local time.
No later than three days before the COE Date, the buyer must have loan approval without Prior to Document conditions or deliver notice that it can't be obtained.
Source: www.aaronline.com · checked 2026-10-16
If it falls on a weekend or holiday
- Loan Status Update (LSU) delivered: It does not move for weekends or holidays.
- Loan approval without PTD conditions (at least 3 days before COE): It does not move for weekends or holidays.
All days are calendar days. Don't count the day of acceptance; the last day counts and ends at 11:59 p.m. Weekends and holidays (even Christmas) count and don't extend a deadline. The one exception is Close of Escrow: if the escrow company or the county recorder is closed on the COE date, COE happens the next day both are open.
Worked example: Arizona REALTORS Residential Resale Real Estate Purchase Contract
Arizona REALTORS Residential Resale Real Estate Purchase Contract. Effective Date Friday, October 16, 2026. Calculated with the same rules as the calculator.
| Deadline | Date |
|---|---|
| Loan Status Update (LSU) delivered | Monday, October 26, 2026 |
| Loan approval without PTD conditions (at least 3 days before COE) | Tuesday, November 17, 2026 |
Negotiated a different number?
Change it in the calculator and every date that depends on it recalculates.
Open the Arizona calculatorFrequently asked questions
How is the "Loan Status Update (LSU) delivered" calculated on the Arizona REALTORS Residential Resale Real Estate Purchase Contract?
By default it is 10 calendar days after the Effective Date (§2). It does not move for weekends or holidays. It ends at 11:59 PM local time.
How is the "Loan approval without PTD conditions (at least 3 days before COE)" calculated on the Arizona REALTORS Residential Resale Real Estate Purchase Contract?
By default it is 3 calendar days before Closing (§2b). It does not move for weekends or holidays. It ends at 11:59 PM local time.
Do weekends count for this deadline in Arizona?
All days are calendar days. Don't count the day of acceptance; the last day counts and ends at 11:59 p.m. Weekends and holidays (even Christmas) count and don't extend a deadline. The one exception is Close of Escrow: if the escrow company or the county recorder is closed on the COE date, COE happens the next day both are open.
Something missing or incorrect?