Tennessee 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.
Tennessee REALTORS Purchase and Sale Agreement (RF401)
RF401 (current association copy, 2026)
Loan application and credit report paid
By default it is 3 calendar days after the Effective Date (§2). The deadline is 11:59 PM local time.
Three days is the number used in Tennessee REALTORS training material. Confirm it on your form.
Source: netar.us · checked 2026-10-16
If it falls on a weekend or holiday
- Loan application and credit report paid: If it lands on a weekend or holiday, it moves to the next business day.
Calendar days ending at 11:59 p.m. local time where the property is located. Counting starts the day after the Binding Agreement Date. If a performance deadline falls on a Saturday, Sunday or federal holiday, it extends to the next business day. The exceptions, which don't move, are the Closing Date, Date of Possession, Completion of Repair Deadline, and Offer Expiration Date.
Worked example: Tennessee REALTORS Purchase and Sale Agreement
Tennessee REALTORS Purchase and Sale Agreement (RF401). Effective Date Friday, October 16, 2026. Calculated with the same rules as the calculator.
| Deadline | Date |
|---|---|
| Loan application and credit report paid | Monday, October 19, 2026 |
Negotiated a different number?
Change it in the calculator and every date that depends on it recalculates.
Open the Tennessee calculatorFrequently asked questions
How is the "Loan application and credit report paid" calculated on the Tennessee REALTORS Purchase and Sale Agreement (RF401)?
By default it is 3 calendar days after the Effective Date (§2). If it lands on a weekend or holiday, it moves to the next business day. It ends at 11:59 PM local time.
Do weekends count for this deadline in Tennessee?
Calendar days ending at 11:59 p.m. local time where the property is located. Counting starts the day after the Binding Agreement Date. If a performance deadline falls on a Saturday, Sunday or federal holiday, it extends to the next business day. The exceptions, which don't move, are the Closing Date, Date of Possession, Completion of Repair Deadline, and Offer Expiration Date.
Something missing or incorrect?