Closing day is the final step in the home-buying process for VA mortgage loans and, as a homebuyer, it’s important to be well-prepared. This is the day you officially become a homeowner, but before you get the keys, there are a few things to check off your list. Below, we’ve outlined some steps you can take to ensure everything is ready for your closing.
Review Your Final Closing Disclosure
A few days before closing, you’ll receive a Closing Disclosure, which outlines the final terms of your loan, including your interest rate, monthly payments, and closing costs. Compare this document to your initial Loan Estimate to ensure there are no unexpected changes. If you have any questions, now is the time to ask your lender for clarification.
Complete Your Final Walkthrough
Most buyers get the chance to do a final walkthrough of the home 24 to 48 hours before closing. This is your opportunity to make sure the property is in the agreed-upon condition, any negotiated repairs have been completed, and no unexpected issues have arisen. Check that all appliances are working, doors and windows open and close properly, and there are no signs of new damage.
What to Bring to Closing
To avoid delays on closing day, make sure you have everything you need. Here’s a checklist of essential items to bring with you:
- A valid photo ID – A driver’s license, passport, or other government-issued ID is required.
- Certified funds (if applicable) – If closing costs or any remaining down payment are required, you may need a cashier’s check or wire transfer.
- Proof of homeowners insurance – Lenders require proof that your home is insured before finalizing the loan.
- VA Loan documents – Any additional paperwork requested by your lender or title company.
Signing the Final Paperwork
At closing, you’ll review and sign several important documents, including the mortgage note, deed of trust, and final settlement statement. These documents confirm your loan terms and transfer ownership of the property to you. If something doesn’t look right, don’t hesitate to ask questions before signing.
Once all documents are signed and funds are distributed, you’ll receive the keys to your new home. Congratulations—your journey with VA mortgage loans is complete!
Make Your Homeownership Dreams a Reality
Closing day can feel overwhelming, but with the right preparation, it can also be a smooth and stress-free experience. At Mortgage Solutions Financial, we specialize in helping veterans and military families navigate VA mortgage loans with confidence. If you have questions about the process or need expert guidance, contact us today—we’re here to help every step of the way.
