Jeni VanOrnum | Real Estate Insights & Education

Closing day is exciting but can feel overwhelming. Here’s exactly what to expect during your final step to homeownership.

Before Closing Day

Three Days Prior: Receive your Closing Disclosure. Review carefully and compare to your Loan Estimate. Contact your lender immediately if you spot errors.

One Day Prior: Conduct final walk-through to verify:

• Agreed-upon repairs completed
• Property condition unchanged
• Appliances and fixtures included
• Utilities functional

What to Bring to Closing

• Government-issued photo ID
• Cashier’s check or proof of wire transfer (for closing costs and down payment)
• Proof of homeowners insurance
• Your copy of the purchase agreement
• Any additional documents your lender requests

The Closing Process

Duration: Expect 60-90 minutes

Documents You’ll Sign:

• Final loan documents
• Mortgage note (your promise to repay)
• Deed of trust/mortgage (gives lender security interest)
• Closing disclosure (confirms final terms)
• Title documents
• Escrow documents
• Various disclosures and affidavits

Who Attends?

• You (the buyer)
• The seller
• Real estate agents
• Closing agent/title company representative
• Attorney (in some states)

What Happens After Signing?

The closing agent records the deed with the county, files necessary documents, and disburses funds. You’ll receive copies of all documents and, most importantly, your house keys!

First Day in Your New Home

• Change locks immediately
• Locate main water shutoff and electrical panel
• Test smoke/carbon monoxide detectors
• Document property condition with photos
• Set up utilities

Common Closing Delays

• Last-minute loan issues
• Title problems
• Seller delays
• Missing documentation

I’ll Be There With You

I attend all my clients’ closings to answer questions and ensure a smooth process. You’re not doing this alone.