Below you’ll find a checklist of the process that will help you between now and closing.
____ Contract – forward the signed contract and any escrow funds to us as soon as possible. Let us know who you are using for your financing bank and who your loan officer is so we can contact them.
____ Appraisal – this will be done by your lender but follow up because the quicker it is ordered the less likely closing will be delayed.
____Utilities – as we get closer to the closing date, you will need to call and get utilities transferred into your name; we recommend the effective change date be the day after closing to make sure everything goes smoothly.
____Insurance – please contact your insurance agent and get a binder ready. If you are paying the premium outside of closing, please bring with you the paid receipt for 1 years’ worth of insurance to closing. Your lender may need to know what your annual premium is for your escrow if they are escrowing funds as well. The sooner you contact your insurance agent the better- if you need a referral for an insurance agent we have several names.
___Closing time – your closing date is already set so once the title work is complete, we will be able to schedule a closing time. Please give thought as to what time you would work for you. Let me know the time that will work so I can coordinate the time with the seller’s as well.
___Final walk-thru – this is customarily done prior to closing, either the day before or the day of closing. As we get closer to closing day, you will need to arrange this with the seller.
___Settlement Statement – a couple of days prior to closing, the closing company will prepare the settlement statement/closing disclosure. That statement will give you the dollar amount you will need to bring with you to closing. Please ensure you pay with a cashier’s check or certified check made out to Eastburn & Associates, PA. If you are wiring funds, this will need to be done the day prior to closing.
The items that you will need to bring to closing are:
-driver’s license of buyer(s)
-insurance binder or receipt if paid outside closing
-certified/cashier’s check or confirmation of wire for closing amount
-any other documentation required by your lender or closing company
