Your Home Sold Guaranteed Realty - Phil Aitken Home Team

Phil Aitken
Phil Aitken

Step 7: Getting Ready For Closing

As you get ready for closing, do not be surprised if your lender asks for more documents. This does NOT mean your loan is denied. It’s just the final checks that take place in the home loan process to finalize the sale.

You will be asked to sign what is called a CD or Closing Disclosure at least 3 days prior to closing. It’s very important you sign these documents on the day they ask for them. Because if they are not signed, the loan will not close on time.

I’m sure you will be very busy getting ready for your move. Your team member will guide through the final steps to close.

Those include:

  1. Picking a Home Owners Insurance Company and getting a quote for your home.
  2. Information about where to send the down payment and closing costs
  3. Notifying the utility company to change utilities into your name
  4. Where you will be signing to close on the home.

This is a really exciting time.
We want it to go as smoothly as possible for you.
The final step before closing is to do a Walk Through of the Home You are Buying. That is your time to ensure all the inclusions are still there and the home is still as it was when you wrote the offer.

Congratulations on the Purchase of your Home. We hope you Enjoy it for Years to Come!

Navigating the Final Steps to Get Ready for Closing

Congratulations on your journey to homeownership! As you near your closing date, it’s important to understand the final steps to get ready for closing. This will help you make sure everything remains a stress-free experience. 

For a lot of people, the home shopping stage of homebuying is fun. But the paperwork and closing phase is frustrating and stressful. Things can get delayed or confusing. There are multiple steps that require lots of information. You also have to navigate and coordinate with several entities at once. But we’ll help you through it. Here’s what you need to know.

Understanding the Final Checks in the Home Loan Process

It’s exciting that you’ve almost reached the finishing line of buying a home. As you approach your closing date, your lender may ask for additional documents. This is a normal part of the process and is not an indication of loan denial. These final checks are necessary to make sure everything is in order and the sale can be finalized.

One critical document you’ll be asked to sign is the Closing Disclosure (CD). This must be done at least three days before closing. So, it’s important to sign and return it promptly. Failure to do it in time could cause delays or even result in the loan not closing. But don’t stress about it. You can easily get it all done if you know what’s coming next.

The Final Steps to Close on Your Home

In addition to signing the CD, there are a few other steps you’ll need to take before closing day. Here’s a quick list:

  1. Select a homeowners insurance company and obtain a quote for your loan
  2. Get information on where to send your down payment and closing costs from the lender
  3. Notify the utility company to change utilities into your name

Finally, before closing day, you’ll have the opportunity to do a walk-through of the home you’re buying. This is your chance to ensure that everything is as it should be and that all inclusions are still there.

Working with Us to Ensure a Smooth Home Buying Experience

Navigating the final steps of the home loan process can feel overwhelming, we’re here for you. Your team member will guide you through the final steps to close, ensuring that everything goes smoothly.

We’re also here to answer any questions you have and address any concerns that may arise. Don’t hesitate to reach out to us with anything you need.

Understanding the final steps of the home loan process is critical to a successful and stress-free home buying experience.

We’re Here Whenever You Need Us

As a VIP buyer, you can expect a personalized and seamless experience as you close on your Jacksonville home. Our team will always work in your best interests and make sure you find your dream home. Hundreds of happy clients will tell you what it’s like working with our team!

Give us a call right away at (904) 544-5252 if you need help. You can also use the form on this page and we’ll be in touch right away. And if you need to sell your current home, we can help with that too!

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Phil Aitken, Owner/Broker
Phil Aitken is the Owner/Broker with Your Home Sold Guaranteed Realty - Phil Aitken Home Team and has over 13 years of Real Estate experience. Phil’s faith and desire for his family’s continued security fuel his business growth and leadership. The Phil Aitken Home Team continues to profoundly impact the people of Jacksonville via supporting several faith-based organizations. Phil gives back a portion of every real estate transaction to The Tim Tebow Foundation and Rethreaded. Find Phil's full story here.