What Happens On Closing Day

When you sign your final mortgage loan documents for your refinance, you will be asked to pay closing costs that generally total 3% of the total loan amount. The amount of your closing costs depends on the state in which your property is located, the time of year you close and when property taxes are due, and the type of loan you choose.

Now let’s take a step back and look at what happens the week before you close. The Week Before: Events Leading Up to Closing. The week before closing can be a stressful time for home buyers. Knowing what happens in the days leading up to this process can reduce some of that stress. It can also help ensure a smooth transaction.

A one-day delay in funding the loan might not cancel the deal, as most sellers are eager, and therefore, willing, to wait another business day for their proceeds.

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What happens at closing is the culmination of more than a month of gathering and preparing documents. For closing to go off without a glitch, your closing officer, your lender or loan officer and your real estate agent have to work together to get everything in order and processed correctly.

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How to choose the right closing date. Home closing: What happens on the day of funding? 18 Getting Keys, Moving In. When I buy a home, when can I move in? How do I get my keys?

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Purchasing a home is one of the greatest investments a person or family makes in their lifetime. It's an exciting moment when you sign the closing document.

So you've gotten pre-approved, found your dream home, and your offer was accepted. Now it's just time to wait for closing day.. You may be wondering how long.

Also known as "settlement" or "escrow," closing is the day home buyers officially take ownership of a home. Here’s what to expect from the closing process.