CLOSING DAY CLOSING DISCLOSURE
Lenders are required to provide you with a closing disclosure, at least three days before closing. Those are often not the "final numbers". We will need to verify the final numbers at least 24 hours prior to closing. If there is a significant discrepancy between the original loan estimate and the closing disclosure, we must notify the lender immediately. FINAL WALKTHROUGH We will do a final walk through the home within 24 hours of closing to check the property’s condition. We will make sure any repair work that the seller agreed to make has been done. We will make sure the home is empty, clean and in the same or better condition than it was when the offer was made. We will be sure to: • Make sure all appliances are working properly • Run the water in all the faucets and check for any possible leaks • Open and close garage doors with opener • Flush toilets • Run the garbage disposal and exhaust fans CLOSING TABLE Who will be there: • Your agent • Your closing attorney The closing typically happens at the attorney's office. You will be signing lots of paperwork so get your writing hand warmed up! Some of the papers you will be signing include: the deed of trust, promissory note, closing statements and other loan documents BRING TO CLOSING Government-issued photo ID Certified check if closing funds were not wired Checkbook (just in case) Spouse, if married. Even if they are not on the contract or mortgage. RECEIVE YOUR KEYS Congratulations! It was a lot of hard work but you are now officially homeowners!! Time to throw a party and get to know your new neighbors!
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