What Is “Closing” on a Home?

Closing is the final step in the homebuying process where ownership officially transfers from the seller to you. It involves reviewing and signing important documents, paying closing costs, and receiving your keys.
 
While it can sound overwhelming, I’m here to guide you through every part of the process to make it as smooth and stress-free as possible.

The Closing Process – Step-by-Step

1. Clear to Close
   Once your loan has final approval, you’ll receive the exciting news: you're “clear to close”! This means all underwriting conditions have been satisfied.
2. Review Your Closing Disclosure
   At least three business days before closing, you’ll receive a Closing Disclosure outlining your final loan terms, interest rate, and closing costs. I’ll go over it with you to make sure everything is accurate.
3. Schedule Your Closing Appointment
   This is the official meeting—usually at a title company—where you’ll sign the final paperwork. Bring your ID and any funds needed for closing (usually wired or brought as a cashier’s check).
4. Final Walkthrough of the Property
   Typically done 24 hours before closing, this walkthrough ensures the home is in the agreed-upon condition.
5. Sign the Paperwork
   At closing, you'll sign loan documents, disclosures, and the deed. This step is detailed—but I’ll be there (or a closing agent will be) to explain what each form means.
6. Get the Keys
   Once everything is signed and the funds are distributed, the home is officially yours! Time to celebrate 

  “Closing doesn’t have to be stressful. With the right guide—and a clear checklist—it’s one of the most rewarding steps in the homebuying journey.”  
What Can Delay Closing?
Sometimes small hiccups can delay closing. Here are common causes and how we prevent them:

•  Missing documents: I’ll keep you organized throughout the loan process
•  New credit inquiries: Avoid applying for new credit before closing
•  Employment changes: Let me know ASAP if your job situation shifts
•  Last-minute wire issues: Always double-check wiring instructions to avoid delays or scams

  Your Closing Checklist: Download Now
Want to stay on track as you approach closing day?
 Download the "Closing Checklist" flyer here: Click to view the flyer  
Let’s Make Closing a Breeze
If you’re buying a home or planning to in the near future, reach out and let’s walk through the steps together.