Title, escrow, and what happens at closing
Closing is a short meeting that finalizes a long checklist. Here is who does what, what you sign, and how money and keys move safely.
Who does what
- Title searches history and clears liens.
- Escrow holds funds and instructions until all conditions are met.
- Lender prepares the final numbers and documents for signing.
What to bring
- Government identification that matches your loan documents.
- Wire or cashier check for cash to close as instructed by the title company.
- Final insurance binder and any last conditions the lender requests.
After signing
- Documents are recorded and funds are released.
- Title insurance policies are issued as applicable.
- Your agent coordinates keys and possession per the contract.