Agent Name Here, Realtor
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Your Brokerage Company | 888.888.8888 |
21
CLOSING
Closing Day Prep
As your real estate agent, I will help you organize
your team, so you don't have any surprises on
closing day. Here is an excellent checklist to prepare
you for a smooth closing.
• Home Inspection: Approve all agreed-upon
repairs from the building inspection completed
by the seller.
• Final Loan Approval: Make sure you have
submitted all of your nancial documents, and
your mortgage lender has provided you with
nal approval.
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• Homeowner's Insurance: Conrm that your
homeowner's policy is ready to go into effect
the day of closing.
• Final Walk-through: Not to be confused with
a home inspection, the nal walk-through—
typically happens 24 hours before closing.
Depending on the terms in your contract, the
seller's belongings may be gone. Test all major
appliances, light xtures, toilets, windows,
doors, pool pump—and anything you can
think to test. Take your time and bring any
unwelcome surprises to my attention.
• Closing Disclosure: At least three business
days before closing, your lender must send
you a Closing Disclosure. Review each cost
carefully and compare it to your original
Loan Estimate, which you received soon after
applying for the mortgage. This form lists all
nal terms of your loan, such as closing costs
and the details of who pays and receives
money at closing. It listed the estimated
interest rate, monthly payment, and total
closing costs for your loan. If any numbers
have changed, ask your lender why.
• What to Bring: Make sure you bring a
photo ID and any outstanding documents or
paperwork for the title company or mortgage
loan ofcer. Bring a certied or cashier's check
or conrm the banking wiring instructions to
transfer your funds.
• Paperwork: On closing day, you'll sign about
50–100 pages of paperwork. Be patient; do
not breeze through all the confusing legal
jargon. Read each page thoroughly, and don't
be afraid to ask questions.
