You've found your home, your offer was accepted, and the loan is approved. Now comes closing day — the final step before you get your keys. Here's what to expect so there are no surprises.
Before Closing Day
In the days leading up to closing, a few things will happen:
- You'll receive your Closing Disclosure (CD) at least 3 business days before closing — this details your final loan terms, monthly payment, and closing costs
- You'll do a final walkthrough of the property to make sure everything is in order
- You'll receive wire instructions for your closing funds (always verify these by phone to avoid fraud)
- I'll review everything with you so you know exactly what to expect
What to Bring
- Government-issued photo ID (driver's license or passport)
- Cashier's check or wire transfer confirmation for closing funds
- Proof of homeowner's insurance
- Any documents your lender or title company has requested
- A pen (though most closings provide one!)
At the Closing Table
Closing typically takes 1-2 hours. You'll meet at the title company's office where a closing agent will walk you through each document. You'll sign a lot of papers — the mortgage note, deed of trust, closing disclosure, and more. Don't worry, the closing agent explains each one.
Key documents you'll sign include:
- •Promissory Note — your promise to repay the loan
- •Deed of Trust — gives the lender a security interest in the property
- •Closing Disclosure — final breakdown of all costs and terms
- •Title documents — transferring ownership to you
After Closing
Once everything is signed and funded, you'll receive your keys. Congratulations — you're officially a homeowner! 🏡 Keep your closing documents in a safe place, and expect your first mortgage payment about 30-60 days after closing.
Questions About the Closing Process?
I walk every one of my clients through closing prep so there are zero surprises. Let's chat about your home buying journey.