There are a number of details that must be addressed between the signing of the final contract and the closing date. They include:

Immediately upon acceptance of the final contract:

  • Order a home inspection
  • Determine if you would like a radon inspection done and order it from the home inspector
  • Provide your lender with a copy of the contract and discuss locking in your interest rate (Remember: You usually only have five days from the date of the contract to apply for the mortgage loan, which is why it’s important to be pre-approved before you start looking for a home.)

During the Home Inspection:

  • Take any measurements for furniture, window treatments, appliances, etc. that you may need.
  • Take any photos of the house, if desired.
  • Ask the home inspector any questions you may have concerning the home’s condition or construction.

One to two weeks following the acceptance date of the final contract:

  • Have your agent create an inspection addendum for items, noted by the home inspector, that you request the seller to remedy
  • Reserve a moving truck or schedule moving service
  • Review seller’s termite letter (wood infestation report)
  • Schedule the closing date and time with our office.

Two weeks before closing date:

  • Contact insurance company to set up homeowner’s policy to be in effect day of closing.
  • Call lender and inquire if additional information is needed.
  • Get a change of address package from the post office and begin notification process.
  • Order a survey if desired (please let us know if you want a survey as early as possible to ensure delivery for closing. A survey is only required on new construction in most cases. Please call us to discuss further.).

One week before closing:

  • Make contact with lender to ensure that closing date is on schedule
  • Get directions to our office for closing. (Check out our app for directions)
  • Schedule utility transfers
  • Request certified funds for closing (some funds take three days to clear – for stocks, home equity loans, etc.)

Day before closing:

  • Conduct a walk through to verify the condition of the house is the same as when put under contract
  • Be sure to double-check the inspection items have been addressed
  • Get certified funds for closing
  • Review the HUD I Settlement Statement to verify that the terms of the contract are correct

Day of closing:

  • Bring photo ID for all borrowers
  • Bring certified funds
  • Bring any additional documents requested by the lender