Buyer's list of preparations for closing

To ensure that your closing goes as smoothly as possible, below are some times of importance.

1. Picture ID and drivers license, etc.
   
   
   
2. Bring a cashier check from your bank, made out to yourself for the amount specified on your HUD statement (Your agent will call you with your final closing number on the day before closing, provided the title company can complete the statement on time). You will sign the check over to the title company when all the papers are signed by the buyers and sellers.
   
   
3. One year home owners hazard insurance policy or DEC page. A paid receipt in full or let your real estate agent know if you made arrangements with your insurance agent to have it collected on the closing statement.
   
   
4. Call utility companies to turn on the utilities at your new home and have the utility company do a final reading at your current address. Call about two weeks in advance, some times it takes that long to get phone service at the new address. Get numbers and links for utilities & more on our Local Info pages.
   
   
5. Make an appointment with your REALTOR® for a final walk through of the property prior to closing.
   
   
6. Bring with you any documentation your lender has required at closing, (pay check stub, etc.) and any paper work you acquired during the transaction.
   
   
7. If you are married and your spouse is not on the deed or mortgage, your spouse must come to closing to sign off their dower rights.
   
   
8. Make arrangements at closing for the keys and any owners manuals to be given to the buyers.
   

If you have any questions, please call your agent, there are no small or insignificant questions, when you are making one of the most important financial decisions in your life.