Liens have to be paid. Titles have to recorded. Commissions have to be paid. Closing instructions from your lender have to be followed very exactly. All fees associated with the purchase have to be documented.
Inspectors have to be paid.
The list could go on. The point, however, is that a lot of work goes into making a closing seem like a simple process. And that is our goal - that by the time you come in to sign all the closing documents, you feel like everything has been easy. But sometimes everything doesn't go smoothly. A termite inspection might not pass muster with the lender.