Set the Closing or Signoff Appointment
Your escrow or closing agent will arrange a time for the closing or signoff that is convenient for all parties who must sign the final documents. Most often, the final paperwork is reviewed and signed at the title or escrow office, but the closing may take place at the lender’s office or even in your home under certain circumstances.
Review the Closing Disclosure
The closing agent and lender together will prepare a Closing Disclosure, which is a statement that details your actual closing costs. You must review it prior to the closing. By law, the Closing Disclosure must be provided to youthree days prior to closing.
REVIEW THIS DOCUMENT THOROUGHLY. It is vitally important to review the document and to compare it to the original Loan Estimate you received from your lender. The closing costs should be very similar to the original estimate. If you see any errors or have concerns about variations in prices between the two documents, report them immediately.