Closing Day Approaches…

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WHAT DO I NEED TO KNOW?

If closing day is around the corner, congratulations are soon to be in order! The most important thing to keep in mind is that your closing date is not guaranteed to happen on time. Only about half of our deals close on the day that is stated in the contract. 

So many variables have to correctly fall in place for your deal to close, it should be expected that your final day can move forward or backwards on the calendar. This can be frustrating, but it is a common part of the experience. Remember that the house may be getting repairs, the lender may be taking longer than usual in underwriting, or the title company may be waiting on documents. Due to all these moving pieces you will need to keep an open mind about your closing day. 

When the day does finally arrive you will show up at the title company for your scheduled appointment and they will walk you through the details of the transaction as you sign all of the final documents. Don’t worry, you will get copies of everything (and you will want to put them in a safe place). You will probably be overwhelmed with the stack of papers that need your signature, but do not be intimidated. Don’t hesitate to ask questions if you do not understand. There is also a very high likelihood that your agent will be with you during closing just in case you need an explanation or something unexpected occurs. 

The title company will go through the same process with the seller and once all of the documents are signed by both parties, they will work with your financial institution to fund the loan. It usually happens same day or next business day. Depending on how quick they are able to fund the loan, you may or may not get the keys at signing. 

You undoubtedly have come a long way and are probably turning your focus towards moving in and making your new house your home. Just remember, don’t be intimidated, don’t be afraid to ask questions, and be willing to be flexible when it comes time to close. 

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