What happens at closing, and what should I bring?
Where is closing: Your closing will take place in person with a mobile notary or attorney (depending on your state) at your preferred location—such as your home.
What to bring: You must bring two forms of identification with you, including a government issued ID. The second form of ID can be almost anything that has your name, address, or picture that matches your government ID. If you have cash to close and plan on paying via check, please bring a check to give to your notary.
Who needs to be present: All individuals on the title need to be present at closing. Depending on your state law, there may be a need for non-borrowing individuals to be present to sign a handful of non-obligor documents as well. It’s best to check with your mortgage company or title company to confirm who should attend your closing, along with any witnesses if required by your state.
How to pay your closing costs: Payment varies depending on the title company you are using and the amount of your closing costs. You can find your cash to close amount listed on your Closing Disclosure (CD). Prior to your closing, please consult your title company on their acceptable forms of payment.
If you are using Better Settlement Services, the acceptable forms of payment based on $ amount are as follows:
- $500 or less: Personal check, cashier’s check, or wire transfer
- $2,499 or less: Cashier’s check or wire transfer
- $2,500 or more: Wire transfer only