The Closing
 

The “Closing” completes the home buying process. This is the day that you sign all the mortgage documents, close the deal for the real estate, and become a homeowner.

All parties will be present or represented at the closing for final review and signing of papers. The closing agent will go through all the paperwork and explain everything to you. Don’t be afraid to ask questions. Once you’ve signed the final documents it’s a completed deal and there’s no way of going back for a refund.

The closing process takes about one hour. During this time you will have an opportunity to talk with the seller about occupancy, transferring utilities, how to operate appliances,
or any other matters associated with the property.

What to bring to the closing

Certified Bank Check
Prior to the closing date, your agent will have seen the HUD Settlement statement and will let you know how much money you need to bring to the title company. Have your bank prepare a certified bank check made out to the title company for the full amount on the HUD statement. Title companies will not accept cash or personal checks.

Drivers License
The title company will not close without proof of who you are.  A drivers license or other verifiable form of identification is required for closing.