What Do I Need to Bring to a Closing?

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Purchasing a home is an exciting and sometimes overwhelming venture for a buyer.  To help ensure your closing goes smoothly, here’s a few tips on what you will need at your closing:

  1. Two forms of identification:
    • Unfortunately, fraud does exist. One way to prevent illegal activity is by requiring the signer(s) to provide two forms of valid identification at the closing.

Form #1:

At least one form of identification should be a government-issued ID containing the individual’s full name as well as a photo. Examples include:

  • Driver’s License
  • Passport

Form #2:

The second form of identification is not required to have a photo. Examples include:

  • Birth certificate
  • Social Security card
  • Green card or another government-issued ID
  • To ensure there are no delays at closing, double check the expiration and spelling on both forms of your identification beforehand and make corrections if necessary.
  1. Appropriate funds:

As a borrower, you most likely went through the vigorous process of demonstrating you have the adequate funds to put down a deposit and obtain a home loan. It is crucial that the appropriate funds are available to the closing attorney at the time of the closing.

Just as above, fraud is prevalent! Though many people are trustworthy, a personal check is not an acceptable form of payment.  A few days before your closing, stop by your bank to obtain a certified check.  Alternatively, you can arrange for a bank wire.

We advise you start this process a few days prior to the closing to ensure the total amount you owe reaches the closing without a problem.

  1. Keys (Seller):

The buyer will likely be eager to go to their new home right after the closing. If you are the seller, you want make sure that you have all of the keys at the closing for the buyer.

Furthermore, provide them with a list of alarm codes, garage door openers, and other relevant information.  Compile all of the appliance instructions, warranties, and certifications for the buyer and leave them in an easy-to-find location so they feel even more confident about their choice in purchasing your home.

  1. Required Paperwork:

Sometimes, things don’t always go according to plan and there may be outstanding original documents that have not been provided to the loan officer (or other parties) at the closing. For example, perhaps you previously provided copies of a document, but an original version is required.

If you’re not sure if you need to provide any documents at the time of closing, speak with your agent or closing attorney so that they can guide you through the process.