The final week is the time to resolve discrepancies, not just pack. Confirm the closing plan with your lender and attorney and keep a written list of anything outstanding.
Review the financial documents
For most covered mortgage transactions, the Closing Disclosure must reach you at least three business days before closing. Compare the loan amount, rate, projected payment, fees, credits and cash to close with your expectations. Ask the lender to explain differences before signing; some changes can affect timing.
Confirm funds safely
Ask the closing attorney how funds must be delivered. Independently call a verified number already in your records before sending a wire. Treat an unexpected email changing payment instructions as something to verify, even when the sender’s name looks familiar.
Arrange the final walkthrough
Schedule access under your agreement. Check agreed repairs, included appliances, removal of unwanted items and any damage since your last visit. Photograph a concern and contact your agent and attorney. Do not assume it will resolve itself after closing.
Prepare what you must bring
Confirm acceptable identification, attendance arrangements and any original documents. Ask in advance about a power of attorney or remote signing if someone cannot attend. Check insurance arrangements and outstanding lender conditions.
Understand the handoff
Ask when the deed will be recorded, when the transaction will be funded and when possession begins. A signing appointment, recording and key release may be separate events. Schedule movers against the agreed possession terms.
After closing
Keep a secure copy of the signed package, verify how the first mortgage payment will be made and note whom to contact about servicing. Transfer utilities as agreed, update access codes and organize a maintenance plan. Sellers should confirm proceeds and retain documents for their tax adviser.
Sources and further reading
Contact Brian McFarland at HFM Realty to discuss your next move.