Buying a home in Bergen County is exciting—but the period between contract and closing comes with important details to manage. This simple checklist can help you stay organized, understand the title process, and head into closing with confidence.
Your Checklist
- Review the purchase contract. Make note of contingency deadlines, closing date, agreed repairs, and any seller credits.
- Complete inspections and mortgage requirements. Schedule your home inspection, submit requested documents to your lender, and avoid major credit or employment changes before closing.
- Provide homeowner’s insurance information. Your lender generally needs proof of coverage before closing.
- Review the title commitment. Check the names, property description, requirements, and listed exceptions. Ask your attorney or title professional about anything you do not understand.
- Address title requirements. The title company works with the parties to clear or satisfy items needed for closing, such as existing mortgages, liens, judgments, or required documentation.
- Review your Closing Disclosure. For most mortgage transactions, borrowers must receive the Closing Disclosure at least three business days before consummation; compare its final loan terms, costs, cash-to-close figure, and credits with earlier estimates.
- Confirm your closing funds securely. Ask how and when funds must be delivered. Always verify wire instructions directly with your title professional or attorney using a trusted phone number—do not rely only on an emailed change in instructions.
- Complete your final walkthrough. Shortly before closing, confirm the property’s condition, agreed-upon repairs, and included items match the contract.
- Bring valid identification. A current government-issued photo ID is commonly required for document signing.
How Title Services Help
A title search and title commitment identify the current state of the property’s title and the requirements that must be met before a title policy can be issued. Title and settlement services also help coordinate the documents, payoff information, recording, and other closing steps involved in the transaction.
Ready for a Smoother Closing?
Evergreen Land Title Services is here to help you understand the title and closing process with clarity and confidence. Contact us today to discuss your upcoming New Jersey real estate transaction.