What to Bring to Your Loan Closing
- Certified Funds
At closing you will be required to
have Certified Funds (a cashier's
check). Your attorney with inform
you of exactly whom to make the
certified check payable to and for
how much.
- Homeowner's (Hazard) Insurance
Policy
Bring to closing the original policy
along with a paid receipt and/or the
bill for the 1st year's premium. The
minimum dwelling coverage must be
for an amount equal to your new loan
balance. An insurance binder WILL
NOT be acceptable. For condominiums,
hazard insurance is not required.
However, Florida condominiums
require a "Contents"
policy.
- Termite Inspection Report for FHA
Loans
A termite inspection report dated
within 30 days prior to your loan
closing will be required for FHA
loans. The report must state that
the property is free and clear of
infestation from all wood destroying
insects. (The responsibility of
ordering and supplying this
inspection report depends upon the
state in which your property is
located. Please check with your real
estate agent or HomeBanc Loan
Officer for details.)
- Picture I.D.
Please bring picture identification
to the closing; i.e. driver's
license, passport, resident alien
card, etc.
- Your Check Book
Please make sure you have enough
checks in the book.
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