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What can buyers and sellers expect at the closing of a home sale? There are a few things to take into consideration.

If you’re the buyer, the first thing you can expect is the requirement that your down payment money be at the closing attorney’s office a day ahead of time. You’ll do this by wiring your funds to that office.

The closing itself should take about an hour, and it’s a good idea to get there a few minutes early. 
If you’re the buyer, make sure to bring your driver’s license and a checkbook just in case your lender’s numbers are a little off.

You’ll also have a lot of documents to sign if you’re the buyer. Anything that gets put in front of you during the closing must be signed or else you can’t buy the house. If you want to read everything you’ll be signing, let your agent or attorney know so they can set up a time for you to come in and review everything. If you choose not to do this, your attorney or agent will summarize every page of every document you sign anyway. The same goes if you’re the seller. Sellers don’t have nearly as much to sign at the closing as buyers.

Once everything has been signed, the attorney will step out of the room and send all the paperwork to the lender for approval. This is a great time for buyers to ask the sellers questions and possibly receive the keys if it’s agreed that they’ll get possession at that time. If they’re not getting the keys at closing, they’ll get them once they take possession of the home.

When the attorney comes back in, they’ll have checks for the Realtors. They’ll then let the buyer know that everything is approved and give the seller their proceeds unless they choose to have their funds wired directly into their bank account.

That’s the closing in a nutshell. If you have any questions or you think you’re ready to buy or sell a home soon, don’t hesitate to reach to us. We’d love to help you every step of the way.