Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How do I apply for a mortgage after a cash closing on a property?
Is she correct in that you generally can't even apply until the cash   transaction is complete? Probably. How can you commit to mortgage something you do not own? Makes sense for them to wait not even until the transaction is complete - but until the transaction is recorded. Is 45 days reasonable to complete the financing? Yes.