Essential Items to Bring to a Real Estate Closing

Closing day marks the final step in the journey of acquiring a new home. It's an exciting moment for home buyers, but being unprepared can lead to unnecessary stress and delays. Having all necessary items at the closing can help ensure the process goes smoothly, allowing you to step into your new home with peace of mind.

 

Photo I.D. or Passport

One of the most crucial items to bring is a government-issued photo ID or a passport. Throughout the closing process, several documents will need notarization, and identity verification is essential. Ensure your ID is valid and current as this proves your identity, solidifying the legality of your involvement in the transaction.

 

Certified Funds

Financial readiness is key at closing. You’ll need to bring certified funds to cover closing costs. The exact amount will be communicated by the closing company, but common ways to deliver these funds include cashier’s checks and wire transfers. Confirm the preferred payment method with the company in advance to avoid any last-minute confusion.

 

Divorce Order

If you have gone through a divorce, it is prudent to bring along any divorce decrees or paperwork. This can be essential to clear up any legal questions regarding ownership or financial responsibilities related to the property. Check with your escrow company to determine if this documentation is necessary for your case.

 

Living Trust

For those with a revocable trust, bring the relevant trust paperwork to facilitate the legal transfer of property into the trust. Double-check with your legal advisor about any additional documents that might be necessary to resolve ownership matters smoothly.

 

Ensuring you have all the correct documents and items prepared for your real estate closing will help in facilitating a smoother process. Being well-prepared helps avoid unforeseen hitches that could delay moving into your new home. Double-check your checklist several days prior to closing, and don’t hesitate to reach out with any unanswered questions.