It’s Closing Time!
Closing location is determined by the title company chosen by the seller, and every effort is made to close near the property being purchased.
Day-Of Logistics & Movers
Once closing is scheduled, call your movers to re-confirm details. Ensure the crew size and truck match your move. If you’re moving out of a condo above the first floor (or without an elevator), be sure to tell them.
Most closings take roughly 1–2 hours (plan for 2 hours to be safe), but they can run longer. Moving the same day isn’t recommended; if you must, leave plenty of buffer after closing.
What to Bring to Closing
- Photo ID (driver’s license or passport)
- Checkbook (just in case for small adjustments)
- Copies/receipts for earnest money and the wire transfer for closing funds
- Plan to block out 2 hours (actual time is often 1–1.5 hours)
- The sellers are typically not in the same room and may have pre-signed
A Note About Spouses Not on the Loan
Even if a spouse isn’t on the mortgage, they often must sign to waive homestead rights. If you’re divorced or in the process of divorcing, speak with your lender—bring any required documents (e.g., divorce decree). In many cases, a spouse not on title still signs the deed to release homestead rights.
Taxes & Exemptions
During closing, make sure you understand how and when property taxes are paid and how to apply for any applicable exemptions (e.g., homeowner, senior). These can save you hundreds of dollars each year.
Final Step: At the end of closing, you’ll receive your keys. Congratulations, new homeowner!
Questions before closing? Contact us—we’re here to help.