Things to Bring to Your Closing

Final Figures 

Your final figures will be emailed to us via your loan officer a day or so prior to your scheduled closing. As soon as they come to us we will notify you of the amount you need to bring in the form of a certified check to the closing.

Certified Check

When coming to the closing it is important that you bring your funds in the form of a certified check made payable to yourself or wiring the money. You will then sign the check over to the title company at the closing table.

Driver’s License

The title company will be required to make a copy of your driver’s license for their records. It is important that all parties who are involved bring this identification (state ID when applicable).

Home Owners Insurance with Paid Receipt

You will be required to purchase one year of home owners insurance prior to closing. Consult with your loan officer on the appropriate amount of coverage. The insurance provider should give you a receipt of payment acknowledging that this has been done. Your lender will tell you to bring this to closing.

Personal Check

On occasion final numbers have proven to be not so final. This could mean a last minute adjustment in funds needed. If this is the case and the amount is not in your favor they will often take a personal check for a small adjustment saving you the headache of going back to the bank. If your certified check is more then is needed, the title company will issue you a check