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Make sure you know how much money you'll have to bring 'to the table' and in what form (we had to have a cashier's check, I think). Practice your signature! :) That's it! Congrats!
enjoy it!! Honestly I was prepared for the worst at closing. My mom told me when they closed on their first house she cried all the way home. But it was not that bad. We signed a whole bunch of papers, were out an hour later and we were homeowners! I guess my only advice is, take your vitamins bc its going to be a busy/tiring week coming up!! :)
Ditto what JenniRae said - we had to get a bank check to cover our downpayment and closing costs and that was pretty much the only thing we had to bring with us. You may have other things you have to bring but your realtor/mortgager should tell you. Then prepare for a cramped hand because you have to sign soooooo many things. Our closing went really smoothly. The sellers were excited to get the house of their hands and we were excited to get the house! It's so cool when those keys change hands and the house is officially yours! Good luck and have FUN!
Thanks girls, so it just sounds like as long as I bring my money and a rested hand I should be all set!
Yeah, the check thing is really the biggest thing.
People were like, oh my gosh, you are going to sign about a million things.
I probably signed my name 15 times.. it wasn't that bad! It took about a half hour and the woman explained everything really well!
Make sure that you know how much you need. We went to get our certified check the day before and then they called us early in the morning to tell us that it had changed. Thankfully we could bring a personal check for the difference. Other than that, just be prepared to sign everything in triplicate!
closing for us was good, and easy! just make sure you know exactly how much you need for closing, and what form:) it take's up to an hour, ours only took 30 min!! lol, and some states don't let you have the keys for a few days, so ask about that too so your not let down. we got our right away and came to our new house and just walked around.. it's pretty sureal! and congrats!!
I think I find out within 48 hours from the closing how much I need for the certified check, I have an estimate but not an exact amount. I will have to run to the bank then and get the check probably the day before.
Know the money but also know "what" your buying. Analyze the numbers on the HUD before hand if possible.
Even if after closing the HUD is not correct, you could be liable for added costs... so just make sure it's on the money :-)
Triple check with your mortgage broker and real estate agent that everything is set to go. Or even call the title company and double check with them. I ditto the others in saying to make sure you are bringing the right amount of money in the correct form. I was scrambling at the last minute to make sure that I had everything set to go, because my mortgage broker didn't tell me everything that I needed to have.
I agree with practicing your signature. I normally only sign initials which was a big "NO!!!!!!!!" when we got to the table. I had to make one up at the day of and try and be consistent.
Agree with the pp but I want to add......ENJOY IT! This is an exciting, yes understandably stressful time, but such an experience that should be enjoyed. Have fun with it.
Try to get the "settlement statement" as soon as possible (probably the 48 hours you were saying). You will want to make sure you can go over this line by line and make sure everything adds up and matches. If there is a surprise you want time to fix it!!!
Plan for a fun lunch or something afterwards and bring a camera!!!
Start stocking up on cleaning supplies!!!!
Oh and if your stuff is packed up don't but too much household stuff until you are unpacked. I ended up with like 3 paper towel holders somehow!!
So, for closing try to determine how much money you will need to bring to the table. I had to run to the bank at 4:30 to get a cashier's check the day we closed because the total amount needed was uncler until that point.
Be prepared that you may not get the keys that day. I think this will depend on your state's laws. We had to wait 24 hours so that our documents could be acknowledged by the county. Don't be mad if this happens, because it's totally within the homeowners right to wait the 24 hours. The sellers run the risk of someone's financing not going through and then having to formally evict them if they give the keys right away.
One last thing, are you planning on changing the locks on all of your doors? We decided to do this for safety reasons so we lock shopped a few days before closing. We were able to buy a system that uses one key to open all 4 of our exterior doors!
Good luck!
Ok, so the settlement statement and the HUD seem to be the most important documents to review. I hope I get the amount ahead of time so I'm not running to the back that day, but if I have to I will promise to stay calm.
Hope I get my keys that day! I think you can get them the same do in MA (hopefully)
Congrats to you! Our closing was stressful and delayed a few times over seller issues with his first, second, third, investors, past due HOA fees and incorrect paperwork. Thank god sister-in-law was handling everything as our agent and caught things or we would have been screwed over, but I think our situation was rare so hopefully everything goes well for you.
My advice is expect the unexpected and be patient just in case.
Make sure you take possession at closing! When I closed, they had hidden the key to the house and wouldnt tell me where it was until the funds were dispersed from the bank! Shiesty!
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Friday is the big day!
I know a lot of bees have recently bought house and I was wondering if anyone has any last minute advice to help the closing go smoothly. We are so excited but a little nervous at the same time!