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Almost Home!


Article by Susan Brewer

Photography by Susan Brewer

The excitement is building! You're just days away from closing on your dream home in St. Charles County. To ensure a smooth and successful closing experience, here's a handy checklist to guide you through these final steps:

Finalize Your Financing:

  • Loan Documents: Carefully review your final loan documents, ensuring all information is accurate and matches your loan agreement.
  • Bring Identification: Don't forget to bring a valid government-issued photo ID (driver's license, passport) to closing.
  • Proof of Funds: If required by your lender, be prepared to bring certified funds or a wire transfer receipt for your down payment and closing costs.

Schedule Your Final Walkthrough:

  • One Last Look: Schedule a final walkthrough of your new home 24-48 hours before closing. This allows you to verify that the property is in the same condition as when you signed the purchase agreement and to address any minor issues that may have arisen.
  • Bring Your Punch List: Use your final walkthrough to confirm repairs are completed and that everything is in working order.

Review Closing Documents:

  • Read Carefully: Take some time before closing to thoroughly review all closing documents, including the settlement statement, title report, and deed.
  • Ask Questions: Don't hesitate to ask your realtor or closing agent to clarify anything you don't understand.

Prepare for Move-In Day:

  • Schedule Movers: If you're using professional movers, confirm the date and time of your move.
  • Change of Address: Ensure you've notified the post office and other important services of your upcoming move.
  • Stock Up on Essentials: Purchase essential supplies like toilet paper, paper towels, and light bulbs for your new home, so you're comfortable from day one.
  • Contact Utility Companies: Inform the utility companies that service your new home and let them know your date of closing and provide them with the necessary info to transfer utilities to your name.

Relax and Celebrate!

Closing day can feel overwhelming, but with this checklist and the help of your realtor, you'll be well-prepared. Take a deep breath, celebrate this exciting milestone, and get ready to enjoy your beautiful new home in St. Charles County!

Looking for a Trusted Realtor in St. Charles County?

Our team at Susan Brewer Service First Real Estate is here to guide you every step of the way, from house hunting to closing and beyond. We'll answer your questions, connect you with reputable service providers, and ensure a stress-free home buying experience.

Contact us today!

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