What To Expect At The Closing

You have your mortgage closing date scheduled, which means you’re in the home stretch. Closing is the final step of the process, and the closing table is where the ownership of the home will transfer from the seller to the new owner. Finally, you’ll be getting the keys to your new home. Of course, there are several steps in between, so before you head off to your closing, make sure you are prepared.

What to Bring


  • Each buyer needs a government issued photo I.D., such as a driver’s license
  • Certified or cashier’s check for the closing costs that you’ll owe & made out to Farrar and Associates or have your money wired prior to the closing
  • Any outstanding documents or paperwork that you have not yet provided to us or the mortgage loan officer (i.e., condo approval letter or originals of copies you’ve provided of other documents)


  • Copies of all of the keys to the house
  • Garage door openers
  • Codes for keyless entry to the house or alarm system
  • Certified or cashier’s check made payable to Farrar and Associates, if these costs are not being deducted from the sales price
  • Each seller needs a government issued photo I.D., such as a driver’s license


The Process

The most common type of closing has both the sellers and the buyers of the home sitting at the closing table. Farrar and Associates’ Attorney is also present to guide all of the parties through the closing process. Closing on a home requires a lot of signatures on many legal documents, by both the buyers and the sellers.This process can take anywhere from one to two hours.

The paperwork the seller signs ultimately transfers ownership of the home. For the buyer, the closing also involves signing the promissory note and mortgage documents. These documents have you acknowledge that you owe the lender the agreed upon amount for the mortgage.

The seller then hands over the keys, garage door openers, and any other access information to the buyer, and the deal is done. The buyer is now the proud owner of the home. The seller walks away with a check for the profit of the home sale and everyone walks away from the closing table with what they came to receive. Mission accomplished!