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Quick Mortgage Loans - home loans and VA lending in Phoenix, Arizona
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The Closing Day Checklist

Documents, Timing, and Final Steps for a Smooth Close.

10-page PDF Buyers within 30 days of closing.

What’s Inside

  • Documents to bring to closing
  • Wire fraud prevention
  • Final walkthrough checklist
  • Setting up utilities, insurance, and escrow

Key Takeaways

  • A one-page closing-day timeline
  • A printable walkthrough checklist
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Chapter Previews

The full PDF includes worksheets, checklists, and printable versions. Here’s a look at what’s inside each chapter.

Chapter 1

Documents to Bring to Closing

The right ID and the right amount of certified funds. Missing either delays your close.

  • Government-issued photo ID (driver's license or passport) - for every person on the loan
  • Second form of ID (backup) - passport, military ID, or work badge
  • Cashier's check or wire confirmation for the exact cash-to-close amount
  • Homeowners insurance policy and receipt for the first-year premium
  • Any final documents your lender requested in the final approval

Always send cash-to-close as a wire - cashier's checks can be delayed by title, and personal checks are never accepted.

Chapter 2

Wire Fraud Prevention

Wire fraud is the #1 financial crime targeting homebuyers. A single wrong wire is almost always unrecoverable.

Scammers monitor real estate transactions and send fake wire instructions that look exactly like the title company's. Every year, buyers lose their entire down payment this way. The defense is simple: verify wire instructions by phone using a number you looked up independently - never a number from an email.

Wire Safety Checklist

  • Call the title company using the number from their official website
  • Verify the receiving bank name, routing, and account number verbatim
  • Send a small test wire first if your title company allows it
  • Confirm receipt within 30 minutes of sending
  • Be suspicious of any last-minute changes to wire instructions
Chapter 3

Final Walkthrough and Post-Close Setup

The walkthrough is your last chance to verify the property matches the contract. Do it the day of, not the day before.

  • Test every appliance included in the sale
  • Run every faucet, flush every toilet, and check for leaks
  • Verify all agreed-upon repairs are complete
  • Confirm the seller has removed all personal property
  • Check that all keys, garage remotes, and access codes are provided
The First Week After Closing

Change the locks, transfer utilities, submit a change of address, and file for your homestead exemption if your state offers one. Save your Closing Disclosure - you'll need it at tax time.

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