Well, if you have bought a lot in a government subdivision then it might be under scrutiny by the new party to ensure that all of the correct procedures have been followed and that the funds have been paid to the right departments.

If it is a normal private land sale then the sign off could be due to the subdivision requiring final approval and authentication.

There are many reasons why delays would occur - but at the 3 month mark you are a little premature in thinking that your transaction is being held up.

You can ask your agent exactly what the status of the title is and what steps are required for it to be placed in your hands.