What to Expect at Closing
Closing day is when ownership officially transfers from the seller to you. Understanding the process helps everything go smoothly.
Before Closing Day
Review your Closing Disclosure. You’ll receive this document at least 3 business days before closing. Compare it to your original Loan Estimate and ask your QuickFund loan officer about any discrepancies.
Final walkthrough. Visit the property 24-48 hours before closing to verify the condition matches your agreement — repairs completed, appliances present, and no new damage.
Prepare your funds. Wire your cash-to-close to the title company (verify wire instructions by phone — never rely solely on email). Bring photo ID to closing.
At the Closing Table
You’ll sign numerous documents including the promissory note (your promise to repay the loan), the deed of trust (giving the lender a security interest in the property), and the closing disclosure (final accounting of all costs). Take time to read what you’re signing and ask questions.
After Closing
You’ll receive the keys to your new home. The title company records the deed with the county. Your first mortgage payment is typically due about 30-60 days after closing. QuickFund Mortgage will provide your payment details and online account access.
Timeline
The entire closing appointment usually takes 1-2 hours. Most closings in Texas take place at the title company’s office. Congratulations — you’re a homeowner!