Whether you are moving on to your new dream home or downsizing to prepare for retirement, your house is under contract
and you are ready to close! To help ensure a smooth closing, please make sure to do your diligence prior
to closing and show up at closing with the following;
PRIOR TO CLOSING
Sheet - We are not prying, but in order to properly handle the closing, we need to have your current lender and
home owners association information so we can order the appropriate payoff information prior to closing.
Review the Seller Closing Disclosure Statement- Once we have received a closing package our
office will prepare a settlement statement with the financial information and send to your agent. It is important
to review this with your agent prior to closing so you can make sure that all appropriate charges such as closing cost
allowance are correct. This will help ensure your closing occurs efficiently and finishes on time.
- A picture ID ensures that we are dealing with the right person. It is required by the lender
and helps prevent issues such as mortgage fraud. A few valid forms of ID are a state drivers license, military ID or
Any Necessary Legal Documents - Generally not required, but if you have recently married or divorced and your name is different
than it appears on title, you need to bring in documents that will reflect the correct name. If you are not sure it
is always best to call and ask us.
Wire Funds– If
you want us to wire your funds, please provide us with a blank voided check that has your banks routing
and account number. Please note that the names on the account must match exactly the names that appear on the settlement
Power of Attorney - If executing
loan documents using a Power of Attorney, the original must be brought to closing as it must be recorded along with the
Warranty Deed. It is also important to note that the Power of Attorney must be approved by the attorney and the lender
prior to closing.
House Keys and Garage
Door Openers - This is self explanatory.
Letter and Bond- If required per the contract, please bring the original to closing. If there is a charge
please notify us before the closing so that we can make sure it appears on the settlement statement.