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Samples of Documents You'll Need at Your Closing
Below, we have provided samples of documents that you will encounter in almost all real estate transactions. Providing these sample documents is just another way ENTITLE DIRECT is leading the way in responding to consumer demand and proposed governmental mandates for increased transparency and information regarding real estate transactions and closing costs.
ENTITLE DIRECT is Here to Help
At the closing, you will be presented with a significant number of closing documents that can be overwhelming and confusing. No need to worry. ENTITLE DIRECT is here to help. We will work with your lender to provide copies of all closing documents for your review prior to the closing.
Here are the most common and standardized documents that you may encounter when you close:
Details the terms of the loan you are receiving, including the amount you are borrowing, the term of the loan in years, the interest rate, the amount of your payment, due dates and late fees, and other key terms.
The document that provides an itemized listing of the charges to be paid at closing. Any item between 1100-1199 is an expense related to settlement services and title insurance. All EnTitle Insurance Company's title insurance premiums and fees for settlement services are guaranteed at the time your order is confirmed by one of our Closing Specialist. The totals at the bottom of the HUD-1 Statement determine the seller's net proceeds from the sale and the amount of the buyer's payment at closing.
A form that must be provided within three days of a consumer's application for a mortgage loan that details estimated fees and costs for your transaction. While this is a form that is provided prior to closing, it is important to have your GFE with you at the closing table. Having your GFE at the closing table will allow you to compare the fees you were quoted to the fees you were actually charged.
A document that must be provided by your lender that contains information regarding the annual percentage rate, finance charges, amount financed, payment schedule, total of your mortgage payments, credit insurance, late fees, and any pre-payment fees. A preliminary copy must be provided within three days of your loan application and a final version must be provided at closing.
A document that must be provided for any loan secured by a consumer's principal residence that gives the borrower three business days to cancel the loan transaction for any reason without cost.