Know Before Closing
Preparation matters. Understanding what lies ahead makes the closing process smoother.
What to bring on closing day
Come prepared with the right documents and identification. A smooth closing starts with knowing what you need before you walk through the door.
Valid photo identification
Checkbook or proof of funds
Any requested financial documents
Securing your title against hidden claims
Title problems emerge when you least expect them. We search deep into property records to surface and resolve issues before they become your burden.
Request a full title search report
Understand all liens and encumbrances
Secure title insurance coverage today
Breaking down closing costs
Closing costs are real, but they're not a mystery. Know what you're paying for and why before you sign anything.
Title search and insurance fees
Lender and appraisal charges
Recording and transfer taxes
Questions
Get answers to what matters most before you close.
Bring a valid photo ID and a checkbook or proof of funds. You'll need these to verify your identity and complete the financial transaction at closing.
Closing costs depend on the loan amount, property location, and services required. Your lender will provide a detailed breakdown well before closing day.
A thorough title search catches most issues early. We examine the property's history to identify and resolve problems before they affect your ownership.
Title insurance protects you from future claims against your property ownership. It's a one-time cost that covers legal defense and potential losses.
The closing appointment typically lasts one to two hours. This includes reviewing documents, asking questions, and signing the final paperwork.
Bring your driver's license or passport for identification. You'll also need a checkbook or bank statement showing available funds to complete the transaction.
Your lender sends a detailed estimate days before closing. It itemizes every fee, from title work to taxes, so nothing surprises you at the table.
We dig into the property's past to find problems early. Most issues surface during the title search, giving us time to clear them before you take ownership.
It's a one-time policy that protects you from future claims against your ownership. If someone later challenges your title, the insurance covers legal costs and potential losses.
Plan for one to two hours at closing. You'll review documents, ask questions, and sign the final paperwork that makes the property yours.
Ready to close?
Get in touch with our team today and let's make your closing straightforward.
