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22. Mortgage Basics - Closing Day

Closing Day:

Congratulations. If you've made it this far, then it means you are about to receive ownership of your new home. This is your last chance to request any changes concerning the terms and conditions of your loan or resolve any last minute issues with the seller.


Those likely to be there with you on closing day may include some of the following:
  •     The closing agent/escrow agent
  •     The seller
  •     Attorney's for both sides
  •     A title company representative
  •     The seller's real estate agent

The closing agent conducting the settlement meeting will ensure that all necessary documents are signed and escrow fees and other closing fees are paid for and properly distributed.

Documents to Be Signed:
  • HUD-1 Settlement Statement: a list detailing all the costs pertaining to the sale of the home, to be signed by you and the seller if they are paying some of the closing costs.
  • Truth-in-Lending Statement: this statement outlines the cost of your loan with the final annual percentage rate (APR), and any changes that might have occurred in the interest rate.
  • Mortgage Note: a legal document stating that you agree to the terms and conditions and amount of the loan, and specifies what the lender is allowed to do if you fail to make payments
  • Mortgage Deeds or Trust: this document secures the mortgage note and gives your lender legal claim to your home if you default on your payments.
  • Certificate of Occupancy: required if you are moving into a newly constructed home.

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