You’ve chosen a mortgage. Now it’s time to select and work with your closing agent.
Once you’ve applied for a mortgage, you may feel like you’re done. But mortgages are complicated and you still have choices to make.
- Research a Closing Agent
- Decide on a Title Insurance Policy
- Schedule a Home Inspection
Next Steps
Shop for Mortgage Closing Services
- Closing agent
- Title Insurance
- Home Inspector
- Home Appraiser
Review your Revised Loan Estimate
Common reasons why your Loan Estimate might change:
- You decided to change loan programs or the amount of your down payment.
- Your appraisal came in higher or lower than expected.
- You took out a new loan or missed a payment and that has changed your credit.
- Your lender could not document your overtime, bonus, or other income.
Understand and use your Closing Disclosure
At least three days before your closing, you should get your official Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage and buy your home.