You’ve navigated the home search, the inspection, and the underwriting process. Now, you’re just hours away from holding the keys to your new home. While it’s tempting to just show up and sign, being prepared for your mortgage closing is the secret to a stress-free experience.
To ensure your appointment goes smoothly and you don't face any unexpected delays, here is your essential closing day checklist.
1. Valid, Government-Issued Photo ID
This is the most critical item on your list. A notary cannot legally perform the closing without verifying your identity.
- What to bring: A current driver’s license, state-issued ID card, or a valid passport.
- Pro Tip: Make sure your ID is not expired. If your ID is expired, the notary will be unable to complete the closing, which could delay your funding.
2. Proof of Funds (Cash to Close)
Unless your closing costs were fully covered by a seller concession, you will need to pay your "cash to close."
- What to bring: A certified or cashier’s check made out to the title company.
- Important: Most title companies do not accept personal checks. Some may prefer a wire transfer; confirm the exact method of payment with your escrow officer at least 48 hours before the appointment.
3. Proof of Homeowners Insurance
Your lender requires proof that the property is protected before they will release the funds.
- What to bring: A copy of your homeowner’s insurance policy or a "binder" from your insurance agent. This document confirms that the premium has been paid and the policy is active.
4. A Final Copy of Your Closing Disclosure (CD)
You should have received your Closing Disclosure at least three business days before closing.
- What to bring: A physical or digital copy of your final CD.
- Why: You’ll want to compare the numbers on the final documents you sign at the table to the numbers on the disclosure you received earlier to ensure everything matches exactly.
5. Your Power of Attorney (If Applicable)
If someone else is signing on your behalf, or if you are signing for another person, you must have the original, notarized Power of Attorney document.
- Note: Many lenders require the specific POA document to be reviewed and approved by their legal team before the closing date. Always clear this with your title company well in advance.
Pro-Tips for a Smooth Closing Day
- Bring a pen you like: While the notary will provide one, signing 50+ pages is easier with a pen that feels comfortable in your hand.
- Leave extra time: While the process usually takes about an hour, traffic or printer issues can happen. Block out two hours just in case.
- Check your bank’s wire limits: If you are wiring funds, ensure your bank doesn't have a daily transfer limit that will block your closing.
By checking these five items off your list, you’ll walk into your closing with confidence. You’ve done the hard work of getting the loan approved—now, all that’s left is to sign on the dotted line and enjoy your new home!
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