Work with your real estate agent to establish a closing date and time. The real estate agent will schedule the closing with your Escrow Officer. You should allow approximately 45 minutes for the closing process.

The borrower and the borrower’s spouse (if applicable) must be present at closing. If arrangements need to be made for a Power of Attorney, please notify your realtor well in advance of the closing. The realtor and the lender are also invited to attend the closing.

Bring 2 forms of ID. If you need to wire funds to closing please check with your escrow officer for the correct instructions.

Once the Escrow Officer receives the lender documents they will send a final closing statement to your realtor within 24 hours. Your realtor will review the closing statement and share with you (as it will outline the closing costs and how much money is due at closing).

You will be signing a number of documents from your lender and Your Title Connection that will be explained to you by your Escrow Officer. This paperwork is necessary for the property to be transferred from the seller to the buyer. All of the closings costs will be listed on the HUD-1 settlement form.

After signing the paperwork, Your Title Connection and your lender have a few more steps to make sure everything is in order. Once Your Title Connection has received all the money and your lender has given the okay to record . Your Title Connection will electronically record your documents and legally you will be the new homeowner. At this point Your Title Connection will help coordinate with your realtor to distribute keys if needed. Some builders/sellers will give the keys directly to your agent and the title company won’t play a role in this process.

You will receive the deed and the Title policy within 60 days after closing. After receiving this, you will file at your county property appraisers office.