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What do you need to bring on Closing Day?
Closing day is the last and the most thrilling stage of the process of buying a house. Here is a checklist of things you need to know and things you need to do to make it all work well.
You will go to the closing and the title company. You must make sure that you have valid identification with you at all times. This can either be a passport or a driving permit. Ensure it is up to date and has not expired.
You have to come to the closing with certified funds. The easiest way to handle this is by bringing a check. If you already have a check from your bank account, ensure it is torn in the middle. The title company will use this to get the routing number and the bank's account number for the transfer of money. If you do not possess a check, then there is no problem; you can acquire the specific details from the bank to make a wire transfer at the time of closing. Once this is sorted, you will be in a position to enjoy your new home purchase.
You may have to sign numerous documents, which will take approximately one hour at the closing. These are mainly documents that the lender usually asks for, but some are related to the property. If you prefer reading the text carefully, it is expected that you will need quite a bit of time to put in all the 'i's and cross the 't's. This step is essential to check and confirm that everything is well arranged and in place.
After completing all the paperwork, you will get the keys to the new house. The title company will also help you arrange for your home insurance and transfer utilities to your name. They will assist in ensuring that this move is as smooth as can be.
With everything signed, set up, and transferred congratulations—you are now a homeowner! Celebrate this great event and the beginning of a new life in your new home.
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