Closing On a Home
Updating Your HOME Loan Before Closing on a Home
Somewhere between 2 to 4 weeks prior to closing on a home, your lender will need to update your verifications to get final approval on your loan. You will want to follow up with your loan officer and make sure they have all of your recent paycheck stubs, bank statements, etc. so your loan is ready to close when you are.
Home Owners Insurance
At least 2 weeks prior to closing on a home, you will need to contact your insurance agent for homeowners insurance. Your agent must provide your lender with a binder and with the following information:
- Insurance Carrier
- Agent’s Name and Phone Number
- Your Annual Premium
Connect Your Utilities
Getting Your Mail
For mailbox rules and regulations, please meet with your local post office.
Closing on Your Home
Your Lifestyle Homes sales consultant will help you schedule your home closing. They will also help coordinate the closing with your lender. We ask that you contact the title company the day before to confirm that the funds need to be delivered in the form of a cashiers check.
What To Bring To The HOME Closing
- A cashiers check for the balance of your down payment and closing costs owed
- Any documentation your loan officer has asked you to bring