Closing the Loan

The final step in the process of obtaining a mortgage is going to closing! During the loan process the Raleigh Mortgage Staff will always communicate the closing time and date to you once we have received a Clear to Close from the lender. When going to your closing you will need the following:

  1. Money to close will always need to be in the form of a cashier’s check or a money order for your down payment and/or closing costs. Personal checks are only acceptable when the lawyer gives you the approval, usually this is only for a limited amount.
  2. Driver’s License and/or Passport for proof of identification
  3. Please be aware that you will need to bring your spouse, even if they are not on the loan.
  4. While reviewing and signing the final Closing Disclosure and other documentation, please make sure that the interest rate and loan terms are correct and verify that the names and address are accurate on all documentation.