Close Smoothly
Your chic space is near in hand! Gather the final required documents, move funds, do a final walk through, sign the paperwork, and hire a mover. No-contact signing and mobile notary available.
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Close
Feel assured before your closing as my Transaction Coordination Services resource and I will have you fully prepared and per deadlines.
What should you do before the closing?
We’ll stay in close communication to make sure that your questions are answered and you feel ready to sign on the dotted line. As your closing day nears, keep this list handy:
Stay in close touch with me, my Transaction Coordination Services resource, who will interface with your lender to receive final financing review and approval Clear To Close from underwriter and preparation and issuance of Closing/Settlement Statement (HUD-1) from title company.
Avoid lowering your credit score with a new credit application, late payments or big purchases.
Confirm that your contract contingencies are resolved, including the home inspection, an appraisal, your financing, and clear title.
Finalize your homeowners insurance policy.
Gather your down payment closing cost funds in an accessible account.
Alert your accountant for deductions including taxes, interest, rental income, homestead.
Review your Closing Disclosure form, which you’ll receive 3 days before your settlement, and ask lender or title company questions if you don’t understand something.
Arrange a wire transfer or get a cashier’s check for the funds you need for the settlement.
Schedule a walk-through of the property within 24 hours before your closing to check its condition.
What can you expect at the closing?
We’ll be finalizing all of the paperwork to close on the sale of your new home. You will want to allot a few hours for your closing. In-person per protocols or no-contact signing including mobile notary.
Bring to the closing:
A government-issued photo ID
Proof of homeowners insurance
Your copy of the contract
All paperwork associated with your loan and the purchase including HOA approval
Your cashier’s check or wire transfer confirmation
Your checkbook for miscellaneous funds that weren’t included on your closing estimate
What paperwork is required to close?
You’ll be signing numerous documents, including a repeat of the documents you signed when you applied for your loan. The most important documents you’ll sign are:
Promissory Note to repay the mortgage
Deed of Trust, which gives the lender the right to foreclose if you don’t repay the loan
Initial Escrow Disclosure, which outlines the funds on deposit for your property taxes and homeowners insurance bills
Right to Cancel form, which states that you have 3 business days to cancel the transaction
What’s next?
After your closing:
Keep all your signed documents in a safe place.
Change the locks and security codes on property.
Review your due dates and new budget.
Congrats! You have keys! 🗝
After your purchase, ask me to refer fully-vetted service specialists. Contact mover for preferred pricing.
FlatRate Moving
Martin Gainsbrugh
Relocation Consultant
martin.gainsbrugh@flatrate.com
Further down the road, should you ever want to sell, I’ll be ready to service your needs again.
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