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Closing Checklist For Buyers

 
Immediately upon acceptance of contract:
  • Order home inspections
  • Provide your lender with a copy of the contract
  • Discuss interest rate locking options
 
During the home inspection:
  • Take photos of the house
  • Take measurements for furniture and appliances
  • Ask inspector questions about home condition
 
Within two weeks of the acceptance date:
  • Review the home inspection report
  • Work with your agent to create a list of items you’d like the seller to address
  • Schedule a moving company
 
Two weeks before closing:
  • Contact Security Service Insurance and decide on a homeowner’s insurance policy
  • Your lender will require proof of insurance before closing
  • Touch base with your lender to determine the status of your loan
  • Request a change of address with the U.S. Postal Service to have your mail forwarded to your new address
 
One week before closing:
  • Set up your utilities at your new address. Contact your cable and internet providers and your power, water, and trash services
  • Connect with your lender to confirm that your closing date
  • Request certified funds you’ll need for closing
  • Confirm with your lender that they have received the necessary documents from your homeowner’s insurance agent
 
Three days before closing:
  • Verify that any repairs that were required from the inspection have been completed
  • Obtain documentation that shows proof that the repair was addressed
  • Obtain the Closing Disclosure from your lender. The Closing Disclosure contains the final terms of your loan, including the final closing costs
  • Review your Closing Disclosure to ensure it is accurate and that you understand the figures. If you have any questions about your Closing Disclosure, talk to your lender
 
Day before closing:
  • Conduct a final walkthrough of your home to confirm that the home is in the same condition as when it was placed under contract
 
Day of closing:
  • Bring a photo ID for each person on the mortgage
  • Bring your certified funds
  • Bring any additional required documentation

 

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Security Service Title Company (SSTC) is a subsidiary of Security Service Federal Credit Union.
This advertising is for informational purposes only. Actual coverages and your eligibility may vary by company and state. For exact terms, conditions, exclusions, eligibility and limitations, please contact a title insurance company authorized to do business in your location.