Closing Checklist

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Note: Utilizing our eClose option could reduce the number of documents you need to sign in person. Please visit HERE to learn more and contact your Mortgage Loan Originator with any questions.
 

  1. FUNDS TO CLOSE
    • Required funds must be in the form of a cashier’s check made payable to the title company or attorney’s office, or a wire can be sent to the title company using their wiring instructions
    • Having a cushion of funds for the close can be helpful
  2. REQUIRED DOCUMENTS
    • Government-issued photo ID for all parties. (Please note that your ID cannot be expired and must reflect the name in which you are closing.)
    • Additional requested documentation
    • If you have a prior home that is being sold on the same day, you must bring the fully executed Closing Disclosure signed by all parties
  3. REQUIRED SIGNERS
    • Borrower and any co-borrower (including any non-occupying co-borrower used for loan qualification)
    • Non-purchasing spouse of borrower, even if they are not on the mortgage (applicable for community property states)
    • Non-purchasing spouse of co-borrower, even if they are not on the mortgage and/or do not intend to occupy the residence
    • Anyone on the contract or title must be signing
  4. MARITAL STATUS
    • Any and all changes to marital status that have occurred between initial loan application and closing need to be brought to the attention of your Mortgage Loan Originator immediately
  5. POWER OF ATTORNEY (if applicable) OR TRUST
    • Has to be approved before closing and title company must be able to reach the borrower who is not at closing either by phone or email on the day of closing to ratify the POA
    • Original notarized Power of Attorney (POA) document
    • If title company is expecting a POA for someone who cannot be at the closing and that person ends up coming to the closing, the closing documents must be rewritten. This will delay your closing if the title company is not notified in advance.
  6. TRANSLATORS (if applicable)
    • The title company will not provide a translator at closing. If a translator is needed, it is the borrower’s responsibility to provide one.
    • The translator must be 18 years of age or older and bring his/her non-expired, government-issued photo ID
  7. VA* Loan
    • If closing with a VA loan and an active duty service member will not be at closing, we require an alive and well statement on day of closing
    *VA = U.S. Department of Veteran Affairs