1. Provide your title company information to your lender immediately and request that your lender fax a title order to the title company.
2. Contact the Condo or Homeowner's Association to schedule an interview, if required, and bring the original Certificate of Approval to the Closing.
3. Do not delay binding hazard and flood insurance and ask your insurance agent to fax the binder of insurance with a paid receipt or invoice to the title company prior to the Closing.
4. Notify the title company and your lender if you will be out of town during the Closing and require a "Mail-A-Way" Closing. Additional time will be required to send you the loan documents.
5. Gather the funds you will need to close into a single account and leave time for deposits to clear.
6. At least one day prior to closing, if possible, arrange to wire the closing funds to the title company if they require a wire. Otherwise, purchase a cashier's check at your bank made payable to the title company's trust account.
7. If a Power of Attorney will be used by the borrower, make sure your lender has approved the POA prior to the Closing.
8. If the property you are purchasing is your primary residence, your spouse must sign the Mortgage, Truth in Lending Disclosure, Compliance Agreement, and sometimes other documents required by your lender even if your spouse will not be living in the property. Note that your spouse will not be required to sign the Promissory Note and will have no obligation to pay back the loan.
9. Bring a valid Driver's License or other picture government identification, as well as your Social Security Card to the Closing.
10. Be flexible and allow sufficient time to obtain the funds to close, conduct the walk thru inspection and attend the Closing.