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Closing documents are the legal papers that finalize the transfer of ownership of the property from seller to buyer, including all financial obligations and other details of the transaction. Some of the most important documents youll sign include the deed, bill of sale, and mortgage or loan documents.
Closing is the final phase of mortgage loan processing in which the property title passes from the seller to the buyer.
Closing is the final step of the homebuying transaction. All outstanding fees listed in the closing disclosure are paid, the escrow funds are cleared to be delivered to the seller, and the buyer and seller sign documents to transfer ownership of the property.
The most important originals are the purchase agreement, deed, and deed of trust or mortgage. In the event originals are destroyed, you might be able to get certified copies of these documents from the lender or closing company, but you dont want to rely on others recordkeeping systems unless you have to.
These five-page legal documents outline the final costs and fees associated with a home purchase, providing clarity and transparency around the expenses. Youll receive the closing statement from your mortgage lender at least three business days prior to closing and its one of the ultimate steps to homeownership.
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The closing, also called settlement, is when you and all the other parties in a mortgage loan transaction sign the necessary documents. After signing these documents, you become responsible for the mortgage loan.
Simply put, the closing statement ensures that you and your lender are on the same page when it comes to the financial details of the purchase. They also serve as a legal record of the home sale. In the unlikely case of a dispute arising, your closing statement can verify the agreed-upon terms.

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