BUYER CLOSING CHECKLIST FROM TICOR TITLE

What Every Home Buyer Should Do Before Closing

1. KEEP IN CONTACT WITH YOUR REALTOR

• Stay in regular communication with your buyer’s agent throughout escrow.
• Respond quickly when documents, signatures, or information are requested.
• Ask questions anytime something about the transaction is unclear.
• Your agent helps coordinate the many moving pieces leading up to closing.

2. MAKE SURE TITLE IS CLEARED

• Your lender will require a title search before the transaction can close.
• Review any title issues, liens, judgments, or ownership concerns that may appear.
• Make sure any required title problems are resolved before closing.
• Review your title insurance options and understand the protection they provide.

3. COMPLETE ALL CONTINGENCIES

• Make sure your inspection contingency has been addressed.
• Confirm your appraisal has been completed and accepted.
• Stay on top of your loan and financing contingency requirements.
• Never remove contingencies until you understand exactly what you are approving.

4. OBTAIN FINAL MORTGAGE APPROVAL

• Your lender’s underwriter will complete a final review of your loan.
• Avoid opening new credit cards or taking on additional debt before closing.
• Keep your employment and finances as consistent as possible during escrow.
• Provide any final lender-requested documents promptly.

5. SCHEDULE YOUR MOVERS

• Reserve your moving company or moving truck well before closing day.
• Confirm your expected closing and possession dates with your Realtor.
• Start packing early so you are not scrambling at the last minute.
• Ask your agent if they have trusted moving-company recommendations.

6. COMPLETE YOUR FINAL WALK-THROUGH

• Inspect the home shortly before closing to confirm its condition.
• Make sure agreed-upon repairs have been completed.
• Verify that included appliances and fixtures remain with the property.
• Immediately notify your agent if you discover an unexpected problem.

7. SECURE HOMEOWNER’S INSURANCE

• Obtain homeowner’s insurance before your scheduled closing.
• Your lender will typically require proof of coverage before funding the loan.
• Compare coverage, deductibles, exclusions, and insurance costs carefully.
• Make sure coverage begins when you officially take ownership.

8. REVIEW YOUR CLOSING DISCLOSURE

• Review the final terms of your mortgage carefully.
• Verify your interest rate, monthly payment, and loan amount.
• Review your final closing costs and cash required to close.
• Ask questions immediately if any numbers are different than expected.

9. CHANGE YOUR ADDRESS

• Submit your change of address and mail-forwarding request with USPS.
• Update your address with your bank and credit-card companies.
• Notify your employer, insurance providers, schools, and other important contacts.
• Remember to update your driver’s license and DMV information.

10. REVIEW YOUR CLOSING PACKAGE

• Request your closing documents in advance when possible.
• Review the documents before signing day so you are not rushed.
• Verify your name, property address, loan terms, and financial information.
• Ask your Realtor, lender, or escrow officer about anything you do not understand.

11. TRANSFER YOUR UTILITIES

• Arrange for electricity, gas, and water to begin when you take possession.
• Schedule internet, cable, or other services ahead of moving day.
• Confirm whether any utilities need to remain active during the ownership transfer.
• Keep confirmation numbers and account information for your records.

12. SCHEDULE YOUR FINAL SIGNING

• Confirm the date, time, and location of your signing appointment.
• Bring a valid government-issued photo ID.
• Review instructions regarding any funds needed to complete the purchase.
• Keep copies of your signed loan, escrow, and closing documents.

MIKE BROWN BROKER’S BUYER TIP

Buying a home involves much more than finding the right property. The final days before closing are critical. Staying organized, communicating with your Realtor and lender, and completing each step on time can help prevent unnecessary delays.

When you work with Mike Brown and The Brown Team Real Estate Group, our goal is to help guide you from the first home showing all the way through closing and receiving the keys to your new home.

LOCAL KNOWLEDGE ISN’T EXPENSIVE… IT’S PRICELESS!!!

If you have any questions about Buying and Selling Real Estate, please give me a call on my direct line - 760.822.8734

Mike Brown

Broker

eXp Realty - eXp Luxury