What to Expect at Closing

Closing is when ownership of the home officially passes to you. With a little preparation, it's usually the most straightforward part of the whole process.

Before closing day

• Review your closing disclosure and ask your lender about anything unclear

• Arrange homeowners insurance

• Confirm how and when to send any funds due at closing

• Schedule a final walk-through of the home

Watch out for wire fraud

Criminals sometimes send fraudulent emails with changed wiring instructions. Always confirm wiring details by phone, using a number you already know is genuine — never one from the email itself.

The final walk-through

Shortly before closing, we'll visit the home to check it's in the condition agreed and that any promised repairs are done.

On the day

You'll review and sign the loan and ownership documents. Bring a government-issued photo ID. When everything is signed and the funds are transferred, the home is yours.

Then comes the best part: getting the keys.