What Happens at the Signing?  

At the signing, you'll be presented with a series of documents related to your real estate transaction. These documents may include the following:

1. Closing Disclosure: This document outlines the final terms and costs of your mortgage. Be sure to review the information carefully and compare it with your Loan Estimate.
2. Promissory Note: This legal document outlines the terms of your loan, including the interest rate, payment schedule, and the consequences of not making payments.
3. Deed of Trust: Also known as the mortgage, this document secures your loan by placing a lien on your property.
4. Title Insurance Policy: This policy protects you and the lender from any title issues or claims that may arise after the sale.
5. Escrow Instructions: These outline the responsibilities and requirements of all parties involved in the transaction, including the distribution of funds.

As the home buyer, you'll be required to sign and initial various documents to confirm your understanding and acceptance of their terms.

Where Does the Signing Take Place?  

The signing typically takes place at the escrow company's office. However, a mobile signer who is also a notary may be sent to meet the home buyers at a location convenient for them. This flexibility allows you to complete the signing process with ease and convenience.

When Does the Signing Occur?  

The signing usually takes place several days before the "closing date," also known as the recordation date. It's important to note that buyers will not receive the keys to the home at the signing.

Who Should Be Present at the Signing?  

Several key individuals should be present at the signing to ensure a smooth and efficient process. These individuals typically include:

1. The Home Buyer(s): This is you! As the buyer, you must be present to sign and initial the necessary documents.
2. The Escrow Officer: This individual handles overseeing the escrow process, ensuring all documents are in order, and disbursing funds upon the successful completion of the transaction.
3. Your Real Estate Agent: Your agent can help answer any questions you may have about the documents and provide guidance throughout the signing process.
4. Your Lender's Representative: This individual may be present to answer any questions related to your mortgage.

The sellers and their agent will not be present. The sellers sign their documents at a separate appointment.

 What Should You Bring With You to the Signing?  

To ensure a successful signing process, you should come prepared with the following items:

1. Government-Issued Photo ID: This is required to verify your identity. Examples include a driver's license, passport, or state-issued identification card.
2. Proof of Homeowners Insurance: Your lender will require proof of insurance before closing on your new home. Be sure to obtain a copy of your policy or binder prior to the signing.
3. Funds for Closing Costs: You'll need to provide the funds for your down payment and closing costs. Your escrow officer will provide you with the exact amount due and the acceptable payment methods (typically, a cashier's check or wire transfer).
4. A List of Questions: If you have any questions or concerns about the documents or the signing process, don't hesitate to ask your escrow officer, real estate agent, or lender's representative.

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