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  • Step 24 to Buying a Home: Attend Closing

Step 24 to Buying a Home: Attend Closing

It’s closing time!

Closing location is determined by the title company chosen by the buyer. Generally, the parties make every effort to close at a location close to the property being purchased. For my buyers, closings will usually happen at my office located in Camp Hill at 3915 Market St. Camp Hill, PA 17011. If your schedule requires that we close in a location away from the property please let us know as soon as possible. A closing confirmation email showing the date, time and location will be sent out prior to closing. Closing will not be set until the Buyer’s lender issues a clear to close (CTC) loan approval.

Once closing is scheduled, we recommend calling to confirm your movers one last time.  Make sure they have the proper sized crew and truck to efficiently complete the move. If you are moving out of a condo and are not on the first floor, let them know, especially if your building doesn’t have an elevator. Most closings take approximately 2 hours but can take longer. While moving on the same day of closing is not recommended, if you are moving on the day of closing please be sure to give yourself enough time to complete the closing before you need to meet your movers.

A few important reminders for closing:

Bring your photo ID with you (ideally a driver’s license or passport) NOTE: Your driver’s license MUST be valid.  IDs that are expired cannot be accepted.
Bring your checkbook (just in case)
Bring copies of your earnest money receipts and wire transfer receipt for the deposit and closing costs
Closing takes approximately 2 hours, however, it can be as short as 1.5 hours or up to 4.5 hours if there are problems. On average, expect to be finished in 2 – 2.5 hours.

At closing, in addition to you, there will usually be the following people present:

Title Officer or Closing Attorney.  The title officer/closing attorney makes sure everything is signed properly, sends all of the signed documents to the underwriter for one last review and issues any refund checks at the end of closing.  They will sit right next to you and will go over all of the paperwork with you, explain when your first mortgage payment is due and tell you where to send it, etc. Basically the Title Officer/Closing Attorney runs the show!
Buyer’s Agent.  Your agent will be there to negotiate any unforeseen circumstances that could have come up at the walk through. It is important that you do NOT settle until there is a resolution in place.                                                                                                                                                                                                                                    Seller’s Agent. He or she will be there to sign the final closing disclosures if seller pre-signed documents or there to represent their client’s interests if they are present.
The sellers are usually not present at closing as they have pre-signed all of the documents.

Before you go to closing, call the Title company to verify the address. Don’t be surprised if closing starts late.

A note about spouses who are not on the mortgage loan:

Even if your spouse is not on the loan, most of the time your spouse must sign the mortgage to waive homestead rights (providing certain protections from creditors). Talk to your lender if you are divorced or getting divorced. You may need to bring additional documentation, such as a divorce decree. Even if your spouse is not on the deed, for a home, your spouse usually must sign the deed to release homestead rights (providing certain protections from creditors).

During closing make sure you understand how and when the taxes get paid and how to get the exemptions (homeowner and senior citizen) you are entitled to as these exemptions usually save you several hundred dollars per year. Your attorney should review this information with you in detail at the closing, but if not, be sure to ask.

At the very end of the closing, the Title Officer/Closing Attorney will give you an overage check (if necessary) which is essentially a refund of the additional money you transferred over when you sent your down payment and closing cost fees. You’ll also receive a copy of the Closing Disclosure. Hold on to this! You’ll need it next year when you prepare your taxes.

Last, but not least, you’ll get your keys and can now officially move in! Congratulations new homeowner!

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Gina Casner

In 2016, I began my tenure in real estate as a licensed Executive Assistant for a leading real estate training coach and subsequently for high-producing real estate teams. I very quickly fell in love with real estate and by 2019, I transitioned into personally helping clients turn their dreams into keys. After dozens of transactions, I have been dubbed the “unicorn hunter,” finding out-of-the-box solutions for clients looking for a home with unique requirements. In addition to managing my real estate practice, I am involved in providing community education on responsible home ownership through my exclusive Path to Home Ownership workshop series. I also am the founder of Chronically Strong, an organization that promotes mental health awareness and suicide prevention in our local communities. I take a holistic and individualized approach to real estate. Buying or selling a home in Central PA can be complex, sophisticated and often a deeply personal endeavor. Your experience should mimic the high level of customer service all of my clients have, while being very specific to your own individual needs. I work with a team of experts to provide a full, complete experience that only a cohesive team can consistently provide. Working with us, you will be given personal attention in every aspect of your home buying and selling experience with the professionalism and consistency of a thoughtful business model. And yes, superior results will follow! On a personal note, I attribute my success not only to my passion for helping clients execute on their next “big move”, but also to my knowledge regarding the psychology of buying and selling. My clientele works in diverse industries with an emphasis on technology, finance, medicine, law, and business. My real estate practice has grown successfully and consistently thanks to the repeat business of happy clients and their introductions to friends, family and neighbors. This track record is only possible because we deliver both results AND an enjoyable experience. Growing up, my family moved frequently all across the continental U.S., but you will hear me say that I am from California because that is the longest place that I lived during my formative years. Moving became a way of life for my family and each place I lived became a part of my story. It taught me that our home truly is the foundation of everything in our lives, and it is this belief that compels me to work hard for my clients when they are buying or selling their home. In many ways, our home becomes a part of our identity, an identity and memory that should be honored. I have been accused of being tenacious and super honest. I like to win (for my clients) but do so with a calm demeanor and a smile. I live in a raised ranch home in Lower Paxton Township with my main squeeze, my teenage son, and our very spoiled dog, Ginger. I have mad faith, and truly believe that each and every one of us is capable of great things. I graduated from Penn State University with a Bachelors’ in Sociology. There is a running joke in my family that every day I go to real estate school because every day my clients teach me something new. I continually invest time, money and thought into the latest sales, marketing and negotiation techniques. Why? Because I believe that you deserve to have the best working for you. I want to live life on my own terms, and am committed to helping you do the same. Would you like to work together? Please reach out. I look forward to hearing from you! Gina

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