Closing week & closing day

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• Review your Closing Disclosure with SpencerYou get it at least 3 business days out — compare against your Loan Estimate together.
• VERIFY WIRE INSTRUCTIONS BY PHONECall the title company at a number you already have. Never trust emailed changes. This is the #1 fraud target in real estate.
• Arrange your cash-to-close fundsWire or cashier’s check per the title company’s (verified!) instructions.
• Get homeowners insurance boundEffective on closing day; proof goes to the lender in advance.
• Do not buy anything on creditNo furniture, no appliances, no cars — until AFTER you have keys.
• Schedule the final walkthroughUsually within 24 hours of closing — confirm repairs and that included items stayed.
• Test everything at the walkthroughLights, water, appliances, garage door, HVAC.
• Bring photo ID to closingEvery borrower, unexpired.
• Set aside 1-2 hours to signAsk questions freely — you’re allowed to read what you sign.
• Collect keys, garage remotes, codesMailbox keys and appliance manuals too, in a perfect world.
• Note your first payment dateTypically the second month after closing — FairwayNEXT will have the details.

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