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Collins & Hepler, PLC
Contact us: (540) 962-6181
     275 W. Main St., Covington VA 24426
     202 S. Randolph St., Lexington VA 24450

5 Things to Bring to Your Real Estate Closing

6/16/2016

4 Comments

 
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So you’ve decided to buy a house.  That’s great!  Homeownership is a wonderful thing, but you may feel like you need to jump a few hurdles before you can cross the finish line.  Real estate closings can seem complicated, especially if you’re a first-time home buyer, so here’s a checklist of things you’ll need to bring to the big day:
 
1.     Your ID. 

Bring your driver’s license or other form of photo identification.  Some lenders even request a second form of ID such as a passport or a birth certificate.  Your lawyer will let you know what’s required.
 
2.     Funds.

You will need to provide cash for both the down payment and the closing costs.  Your closing attorney will give you the numbers- just be sure to bring a cashier’s check.
 
3.     Your Good Faith Estimate.

Your lender should have provided you a Good Faith Estimate of closing costs during the loan application process.  Make sure the final closing costs match up to what was originally quoted to you.
 
4.     Proof of insurance.

You will need to provide proof that you have established a homeowner’s insurance policy on the property.  Your lender may want to review your policy before closing on the home.
 
5.     Your signature... and your smile.

​Buying a home- from finding a lender to going through the ordeal of closing- can be a stressful experience.  This is the day you finally get the keys.  The house is yours.  Congratulations!
 
At Collins & Hepler, we’re proud of our long history of residential and commercial real estate closings.  In fact, our archive houses over 6,000 real estate files.  We bring experience and personalized service to your home buying process.  If you’re thinking of purchasing a property in Covington, Alleghany County, Bath County, Lexington, Rockbridge County or Buena Vista, contact us for a free consultation.
4 Comments
Mesa Surveyors Group link
2/10/2022 10:38:46 pm

The more prepared you are, the easier closing day will be on your nerves.

Reply
land surveyor Charlotte link
2/21/2022 02:48:29 am

Closing day is exciting, but there will be many moving parts. It can be difficult to remember all of the details. Thanks for this blog, very helpful!

Reply
John Carston link
4/14/2022 12:07:45 am

I never knew that homeowner’s insurance policy is important to be provided to prevent misunderstandings. My aunt mentioned to me last night that she was looking for a service that can help her avoid common hidden pitfalls as she is planning to buy a new home, and she asked if I have any idea what is the best option to do. Thanks to this informative article, I'll be sure to tell her that it will be much better if we consult a trusted real estate closing expert.

Reply
Milwaukeesurveyors.com link
5/12/2022 08:03:02 am

Buying a home can be a stressful experience, from finding a lender to going through the ordeal of closing.

Reply



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