The most important thing for BOTH SIDES of the closing to remember is a CURRENT, NON-EXPIRED STATE OR FEDERAL-ISSUED PHOTO ID, such as a driver’s license or passport. Your closing WILL NOT be completed if you do not bring this with you. If you are not in possession of this form of ID, you can go to your local DMV prior to closing to obtain the necessary identification. You will also need another form of identification, such as a credit card, employee ID, utility bill, etc.
If you are the BUYER:
- Any money you bring with you must be in the form of certified funds or a cashier’s check made payable to Stewart Abstract. Arrangements can also be made ahead of time to have the money wired directly to us from your lender. If any additional funds are due at closing, personal checks are generally accepted up to $2,000.00. You can call us the day before your scheduled closing to verify the amount you will need.
- You should also bring a receipt for the purchase of home owner’s insurance. Many mortgage lenders will require proof that a home owner’s insurance premium has been paid, in advance, for the entire year.
If you are the SELLER:
- It will be helpful to us if you bring copies of your current tax bills. You may want to being your water and sewer bills, too, but this is optional.
- Bring with you things that should be turned over to the new owners such as any and all keys, garage door openers, alarm codes, etc