What is a business day in real estate?

Asked by: Adele Bogisich  |  Last update: February 5, 2026
Score: 5/5 (14 votes)

For Closing Disclosures, a business day is defined as all calendar days except Sundays and Federal public holidays, such as Labor Day. The Closing Disclosure must be provided to you at least 3 business days PRIOR to loan consummation.

What do business days mean in real estate?

According to the definition in the California Association of Realtor's Purchase Agreement, a day is simply defined as a calendar day. A day is from 12:00 AM through 11:59 PM. A business day is considered Monday through Friday, excluding legal holidays.

What counts as a business day?

A business day is any day of the week, excluding weekends and holidays, with an 8-hour time slot, typically from 9 am to 5 pm. Despite some businesses opening before 9 am or staying open after 5 pm, the 9 am to 5 pm timeslot is considered standard business hours. Most businesses operate for 8 hours.

Does Saturday count as a business day for closing disclosure?

This three business-day rule may include Saturdays, but it does not count Sundays or holidays. For instance, if you want to sign on a Friday and a holiday falls on a Thursday, you must receive your closing disclosure on Monday. Because of this, the three-day period is NOT measured by hours.

What is considered a business day in a contract?

“Business Day” means any day excluding Saturday, Sunday and any day which is a legal holiday under the laws of the State of California or is a nationally recognized federal holiday pursuant to Federal law (5 U.S.C. 6103). Definition of Business Day. Business days are from Monday to Friday, except statutory holidays.

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15 related questions found

What is the business day rule?

A business day refers to any day in which normal business operations are conducted. In Western countries, a business day lasts eight hours and is considered to be Monday through Friday from 9 a.m. to 5 p.m. local time. Business days do not include weekends and public holidays.

Does 2 business days include today?

When asked, “how long is 2 business days?”, it refers to the duration of two days within the standard working week, excluding weekends and public holidays. If something is scheduled to take 2 business days, and you initiate it on a Wednesday, it should be completed by Friday, assuming there are no holidays in between.

What is the 3 day rule in real estate?

The California Purchase Contract is chock-full of deadlines: three days to place a deposit into escrow; 17 days to perform investigations; scheduling utilities, organizing closing, and many other important details.

Does Saturday count as next business day?

Is Saturday a Business Day? No, Saturday is not typically a business day because it is the weekend. Most businesses have regular business hours that run Monday through Friday and are closed on the weekends.

What is the 3 day rule for closing?

Your lender is required to send you a Closing Disclosure that you must receive at least three business days before your closing. It's important that you carefully review the Closing Disclosure to make sure that the terms of your loan are what you are expecting.

What is considered close of business day?

What is close of business (COB)? COB refers to the end of the business day according to the Eastern Standard Time (EST) in the United States, usually 5 pm EST. COB also describes when financial markets close for trading in New York City.

Do banks consider Saturday a business day?

Business and Banking Days

open for substantially all its banking activities. Even though a bank may be open for regular business on a Saturday, that day is not considered a banking day for purposes of Regulation CC because Saturday is never a ''business day'' under the regulation.

Does Saturday count as a business day for a loan estimate?

This is referred to as a Precise Business Day. So, for Closing Disclosure and Rescission purposes, you always count Saturday but never count Sunday as a business day.

Do weekends count in a contingency period?

Counting Calendar Days for Contingencies

Count “days 'after” the contract start date (example: contract start date is 6/2/18, so day one is 6/3/18, day two is 6/4/18… day 17 is 6/19/18). Weekends and holidays are included in the counting.

Are real estate contract calendar days vs business days?

To answer the question of how a date is determined, let's start with a definition of “days.” A definition of “Days” can be found in a standard California real estate form, Commercial Property Purchase Agreement and Escrow Instructions (CAR Form CPA), Section 27: ““Days” means calendar days.

Does tomorrow count as a business day?

In the United States, a business day is distinct from weekdays, weekends, and the standard workweek. A business day means all calendar days except the federal legal holidays listed in 5 U.S.C. § 6103(a) unless otherwise defined.

Is Saturday a business day for contracts?

The term business day means Monday through Friday, except the legal public holidays specified in 5 U.S.C.

Do business days start the next day?

1 Business day: If you start on a Monday, 1 business day later would be Tuesday. However, if you start on a Friday, 1 business day later would be the following Monday, assuming no holidays fall in between.

What is the 72 hour rule in real estate?

This clause allows a seller to continue marketing and accepting offers on their property even after they have accepted an initial offer, with the condition that the original buyer has a specified amount of time, typically 72 hours, to remove or waive any contingencies and proceed with the purchase.

What is the golden rule in real estate?

Corcoran's Golden Rule: a 2-Step Strategy

The first part is good advice for any real estate purchase: make a 20% down payment. The second part is renting the property out to tenants for enough to cover the mortgage, even if you don't profit initially.

Can realtors take time off?

Yes, You're Allowed To Take Vacation Days! You might feel guilty about taking time off from work, but that's just poisonous hustle culture whispering in your ear. Besides, there's research that shows taking breaks from work can actually increase productivity.

Does business day count today?

Answer: A business day refers to any day when typical business operations are conducted. In most cases, this includes Monday through Friday, excluding weekends and public holidays.

Does the day you order something count as a business day?

A business day is any day that the courier company operates for the chosen shipping method. Business days are Monday to Friday. The first day the order ships DO NOT count as a business day. One business day is next day service.

Does Saturday count as a working day?

A work week is different from a calendar week, as the latter includes all seven days from Sunday to Saturday. Within a work week, weekend days (Saturday and Sunday) will usually be considered non-working days or rest days, however this may depend on your industry and line of work.