What documents do I need for closing?

Essential closing documents include: your Closing Disclosure (received 3 days before closing), government-issued photo ID, proof of homeowners insurance, certified check or wire transfer confirmation for closing costs, any required inspection reports, and all loan documents provided by your lender. Your loan officer will provide a complete list specific to your transaction.

How long does the closing process take?

The typical closing process takes 30-45 days from the time your offer is accepted. This timeline includes: loan processing (1-2 weeks), underwriting review (1-2 weeks), appraisal and inspections (1-2 weeks), title search and insurance (2-3 weeks), and final preparations (3-5 days). Your specific timeline may vary based on loan type, property complexity, and local requirements.

What should I do during my final walkthrough?

During your final walkthrough (typically 24-48 hours before closing): verify all agreed-upon repairs are complete, test all appliances and systems, check that fixtures and items included in the sale remain, ensure the property is in the agreed-upon condition, document any issues with photos, and confirm all personal property has been removed by the seller.

How can I protect myself from wire fraud?

To protect against wire fraud: Never wire funds based solely on email instructions. Always verify wire instructions by calling your escrow officer directly using a known, verified phone number (not one from the email). Be suspicious of any last-minute changes to wiring instructions. Confirm receipt of funds immediately after wiring. Report any suspicious communications to your lender and real estate agent immediately.

What happens on closing day?

On closing day, you'll: review and sign all loan documents including the mortgage note and deed of trust, provide certified funds or confirm wire transfer for closing costs and down payment, receive copies of all signed documents, get the keys to your new home (usually after recording), and receive information about your first mortgage payment. The entire closing appointment typically takes 1-2 hours.

What are typical closing costs?

Closing costs typically range from 2-5% of the home's purchase price and include: loan origination fees, appraisal and inspection fees, title insurance and escrow fees, prepaid property taxes and insurance, recording fees, and attorney fees (if applicable). Your Loan Estimate and Closing Disclosure will detail all costs specific to your transaction.

Your Closing Checklist

Stay organized and confident throughout your home closing process

Overall Progress

Documents

Loan Officer

Your SRK CAPITAL Expert

loans@srkloans.com

Escrow Officer

Title Company Representative

Provided at contract

Learn More

Real Estate Agent

Your Agent

Your agent's email

Find Homes

Helpful Resources

Closing Guide Closing Cost Calculator Document Center Secure Portal

Important Wire Fraud Warning

Never wire funds based solely on email instructions. Always verify wire instructions by calling your escrow officer directly using a known, verified contact method. Wire fraud is a serious threat in real estate transactions. If you receive any wire instructions via email, stop and verify before taking any action.

Need Help with Your Closing?

Our experienced team is here to guide you through every step

Contact Our Team Start Application