How are home closings going nearly two months after the new federal real-estate disclosure rules took effect? Are they being knocked off schedule and taking much longer from date of sale to final settlement, as some mortgage industry executives predicted? It depends on who you ask. Kristy Ryan, an agent with RE/MAX Fine Properties in Scottsdale, Arizona, tells of a recent closing on one of her transactions - a $1.3 million home with a million dollar mortgage.