WHAT BUYER NEEDS TO BRING TO CLOSING:
Funds For Closing. If you need to bring cash to the closing, you must wire the funds to our title company escrow account prior to closing. If all lender information is provided to us in advance, you should be able to obtain this number at least 3 days prior to closing. WE CANNOT ACCEPT CHECKS AT CLOSING. Accordingly, if you need to move funds around from investments accounts, etc., do so well in advance of the closing, and be prepared to make a bank run to wire the funds;
Insurance Binder. At closing, you will need to provide us or the lender a homeowner’s insurance binder showing the first year's premium paid in full. If you are purchasing a condominium unit, you will need to provide us with the Master Insurance Binder and, depending on the type of loan you use, you may need an HO-6 policy covering the interior of your unit;
Your state issued driver’s license, a U.S. Passport, or another valid form of picture identification. Many lenders now require a second form of ID, so bring more than one form of identification;
If a sale of your present home is required by your new lender, you must bring the Settlement Statement and a copy of the Deed from that transaction.
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WHAT SELLER NEEDS TO BRING TO CLOSING:
State issued driver’s license, U.S. passport, or another valid form of picture identification;
Keys to home and alarm codes/information
Contractor invoices and/or certifications or other evidence of repairs, if applicable and as agreed under the contract;
Any water bills in your possession and proof of payment, if paid;
Copy of last paid real estate tax bill;
Evidence that all condo/HOA fees are paid, if applicable;
It’s also a nice gesture to give the new buyers the name of your landscaper, septic company, private trash hauler, handyman, etc.
PRIOR TO CLOSING, DON'T FORGET TO:
Notify utility companies of move out;
Discontinue phone, internet and/or cable service;
Leave all appliance warranties and instructions in the house (or bring them to closing);
Notify insurance agent of closing date in order to cancel present policy;
If you are purchasing a new home at the same time, make sure you get a copy of the fully signed Settlement Statement and provide us with wiring instructions for the title company handling your settlement