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Closing Checklist

Buyer's Checklist

  • Contact lender and get a pre-approval letter.
  • Sign. initial, and date the "Earnest Money Contract" for Realtor to submit.
  • Have Realtor help you schedule any inspections that are needed.
  • Turn in all supporting documentation to lender to verify income and assets.
  • Call insurance company to get homeowners's policy on new home. Give to lender well in advance so they can prepare closing documents and forward invoice to title agent to pay.
  • Provide Realtor with the contact name and phone number of your new mortgage company
  • Give Realtor your home warranty choice.
  • If property is to be your homestead, your spouse must attend the closing even if title will be in only one spouse's name.
  • Review title commitment and call title agent if you have any questions. Confirm that your Realtor scheduled a closing time.
  • Check with lender for any additional instructions before closing. Make sure HUD-I is correct.
  • Bring all items to closing including current divers license and either a cashier's check made payable to the title agent for closing costs due or wire funds to title agent for closing.
  • Come to closing and sign all documents. After lender has approved and funding has occurred, the closing is complete.
  • Congratulations on your new home purchase.

Sellers Checklist

  • Locate existing survey and provide to Realtor prior to contract.
  • Tell Realtor if any of the following has occurred: Marital status since acquiring property, any additional loans against your property, abstract of judgments, bankruptcy, foreclosure, or any changes since survey for improvements.
  • Sign, initial, and date the "Earnest Money Contract" for Realtor to submit.
  • Provide Realtor with your social security number, your lender's name, loan number, and phone number of loans on property.
  • Have Realtor help you schedule any inspections that are needed.
  • Review title commitment and call title agent if you have any questions. Confirm that your Realtor scheduled a closing time.
  • Bring all items to closing including current divers license, keys, warranties, and garage door remotes.
  • Your spouse must also attend the closing and sign if property is homestead or jointly owned.
  • Maintain homeowner's insurance until after closing and signing all documents and funding is completed. Once this is finalized, you may cancel your homeowners policy.
  • Bring wiring instructions for your bank to closing if you want your funds wired directly to your account

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