Appraisal and Final Loan Approval
Your lender will order a third-party appraisal to confirm the home’s value. Once the appraisal clears, your loan goes through final underwriting. During this stage, we help you stay organized and in communication with your lender to keep everything on track.
Secure Homeowners Insurance
Before closing, you’ll need to have an active homeowners insurance policy in place. This protects both you and the lender in case of damage or disaster. Our team can help you compare quotes and coverage options.
Review the Closing Disclosure
At least three business days before closing, you’ll receive a Closing Disclosure from your lender. This document outlines your final loan terms, monthly payments, and closing costs. We’ll review this together to ensure everything matches expectations.
Final Walkthrough
Just before closing, you’ll revisit the property for a final walkthrough. This ensures the home is in the agreed-upon condition, any negotiated repairs have been completed, and nothing has changed since your last visit.
Closing Day
On closing day, you’ll sign all legal documents, pay remaining closing costs, and officially take ownership of the property. The meeting typically happens at a closing attorney’s office or title company.
Receive the Keys and Move In
Once the paperwork is complete and the deed is recorded, the keys are yours. You can move in and begin settling into your new home—whether it’s a cozy starter or a spacious 3 bedroom home in a neighborhood you love.
Post-Closing Details
Don’t forget to update your address, file your deed with the county (often done by the attorney or title company), and organize home documents for safekeeping. And of course, we’ll still be here for any questions or referrals you may need as you get settled.
