What do I bring to closing on a home in Magnolia, TX?

When you close on a home in Magnolia, TX, bring a valid government photo ID and have your closing funds ready the way the title company tells you to send them. Your title company will send you the exact list for your closing, so read it a few days ahead.

Here's what to expect.

What ID do I need?

A current government-issued photo ID, like a driver's license or passport. Everyone signing the loan or the deed needs their own. Make sure it isn't expired.

How do I pay my closing costs and down payment?

Your title company will tell you how they accept funds. Most closings use a wire transfer or a cashier's check. Ask the title company which one they need and when it has to arrive.

Before you send any money, call the title company at a phone number you already know is real and confirm the wiring instructions out loud. Never trust wiring instructions that only come by email, even if the email looks right.

Do I need to bring anything else?

Sometimes. If you're getting a loan, your lender may ask for a last document or two before closing. If you have a question about the numbers, bring your Closing Disclosure so you can go over it with the title company.

If you're married and only one of you is on the loan, ask your title company whether your spouse needs to sign anything too.

How long does closing take?

The signing itself usually takes about an hour. After you sign, the title company waits for the loan to fund and the deed to be recorded. You get the keys based on the possession terms in your contract.

What should I do the week before closing?

Keep your finances steady. Don't open new credit, finance furniture, or change jobs without talking to your lender first. Set up your utilities for move-in day. If the home is in a MUD, find out who handles water and sewer.

Buying in Magnolia?

If you're buying a home in Magnolia or anywhere in Montgomery County and want someone with you through closing, call me at 281.636.5633.