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I am the author of this blog and also a top-producing Loan Officer and CEO of InstaMortgage Inc, the fastest-growing mortgage company in America. All the advice is based on my experience of helping thousands of homebuyers and homeowners. We are a mortgage company and will help you with all your mortgage needs. Unlike lead generation websites, we do not sell your information to multiple lenders or third-party companies.
Your real estate agent and/or mortgage loan officer should provide you with a final list of documents that need signatures or updated verifications, so the general list of items needed at closing is quite basic:
1. Funds To Close –
If you are required to bring in a down payment and/or pay for closing costs to finalize the transaction, you’ll need to bring a certified check from a bank. The escrow company, your agent and the loan officer should provide you with a full breakdown of all fees / costs involved in the transaction.
While these final numbers may be more accurate than the initial Good Faith Estimated which was provided at the beginning of the application process, there will still be a small buffer amount added by escrow to cover any prepaid interest or other minor changes.
If you don’t have to bring in any funds to close, then you might actually be getting a portion of the Earnest Money Deposit back.
Remember, it is important to make sure these funds to close come from the proper sources.
2. Proof of Identification –
Official Drivers License or State ID card. Passports will work as well.
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