What do I need to bring to my closing appointment?

To keep your closing appointment running smoothly and on schedule, bring: 

• Valid Photo ID: A current government-issued ID (driver’s license or passport), plus a secondary card. 

• Certified Funds: An official cashier’s check or pre-arranged secure wire transfer for closing costs. 

• Proof of Insurance: Your active homeowners insurance binder or paid receipt. 

• Your Spouse: In many states, spouses must sign certain documents even if omitted from the mortgage loan.

We provide a personalized checklist before closing so you feel completely prepared.