At the closing as a buyer, the client can expect several key activities and should bring certain documents. Here's what they can anticipate:

1. Signing Documents: The buyer will sign various documents related to the purchase of the property, including the mortgage loan documents, the deed of trust or mortgage, the promissory note, and the closing disclosure.

2. Reviewing Documents: The buyer will have the opportunity to review all the documents before signing and ask any questions they may have. The closing agent or attorney will explain the purpose and significance of each document.

3. Payment of Closing Costs: The buyer will be required to pay any remaining closing costs and fees, such as the down payment, lender fees, title insurance premiums, and escrow fees. These payments are typically made by certified check or wire transfer.

4. Receiving Keys: Once all documents have been signed and funds have been disbursed, the buyer will receive the keys to the property and officially take possession.

5. Bringing Documents: The buyer should bring several important documents to the closing, including:

   - Government-issued photo identification (e.g., driver's license or passport)

   - Certified funds for closing costs and down payment

   - Copy of the homeowner's insurance policy

   - Copy of the purchase agreement and any amendments

   - Copy of the loan estimate and closing disclosure

   - Any other documents requested by the closing agent or lender

6. Who Should Attend: The following parties may be present at the closing:

   - Buyer and seller (if present)

   - Buyer's real estate agent

   - Seller's real estate agent

   - Closing agent or attorney

   - Lender representative (e.g., loan officer or mortgage broker)

   - Title company representative

   - Any other parties involved in the transaction, such as attorneys or escrow agents

Overall, the closing is a crucial step in the homebuying process where all parties come together to finalize the sale and transfer ownership of the property. By being prepared and knowing what to expect, the buyer can ensure a smooth and successful closing experience.

Always check with your Realtor or Lender for items that you need to bring to your Closing.

The information provided in this blog is intended for educational and informational purposes only. While we strive to provide accurate and up-to-date content, we cannot guarantee the accuracy, completeness, or reliability of the information presented. Readers are encouraged to conduct their own research and due diligence before making any financial, legal, or investment decisions.