On a home only loan, the realtor / dealer holds the closing, or we will mail the documents directly to you. A notary must notarize several forms. Funds will be disbursed within 48 hours after we receive the closed loan package back in our office. (Note: By law we are unable to pay commissions directly to the realtor – this must be arranged for the seller to pay out of their proceeds.) On a land / home loan, all real estate transactions must close with a title company or attorney. Funds will be disbursed at the closing table.