~4 minute lesson · Beginner · Buying a Home
Closing, recording, and getting the keys
The Short Answer
Make time for document review and verify money instructions through a trusted channel.
How It Works
Review before the signing appointment
For most covered mortgages, you must receive the Closing Disclosure at least three business days before consummation. Compare it with the latest Loan Estimate and question unexplained changes. Review the note, deed, and other documents early enough to understand what you will sign.
Treat wiring instructions carefully
Confirm instructions directly with the escrow or settlement company using a phone number you independently verified earlier. Do not rely on a number or link in a last-minute message changing bank details. If money may have gone to a scammer, contact your bank immediately and report the incident through appropriate authorities.
Confirm the handover milestone
The final walkthrough checks agreed condition and completed work; it is not a replacement for inspections. Signing, funding, recording, and possession can occur at different times. Ask when recording will be confirmed, when keys can be released, and whether the seller has any agreed right to remain after closing.
What to Remember
- Review before the signing appointment
- Treat wiring instructions carefully
- Confirm the handover milestone
Verify funds, review documents, and confirm the exact conditions for receiving possession.