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The Closing

Monday, July 29, 2019   /   by Barry Owen

The Closing

THIS is time for CELEBRATION!
Assuming everyone has done all that has been described in the first 19 steps of the home buying process, all should go well.
Dress however you feel like dressing on this day.
Odds are decent you are moving boxes and feeling a bit disheveled - You won't be judged by showing up "as you are".
Bring only your signing hand and your drivers license.
The "closer" at the Title Company will have quit a bundle of documents for you to sign.
Most of these documents are Lender-related . . . and most are "standard forms" . . . and the closer will explain each one before asking for your signatures.
This whole signing usually takes 30-45 minutes.
If, at any point you do not understand something, ASK for clarification. 
The first document you are likely to see will be the ALTA Settlement statement which you have likely already seen. The closer will run through all of the numbers with you.
The next ones are the note (note that the terms of the loan are as expected) and deed of trust.
When you have signed all documents and receipt of your wired funds is confirmed, you will have done your part.
The seller will likely close in different Title Company office at a different time. 
Once all parties have signed, the Lender will release the borrowed funds which together with your downpayment will complete payment.
We REALTORS will coordinate getting the keys to you ASAP.
CONGRATULATIONS!
You are now the proud owner of a fabulous new abode.

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