After loan approval, you’re ready to sign the final documents. Before signing, review the documents to confirm the interest rate and loan terms match what you were promised. Also, check that your name and address are correct. Signing usually takes place in front of a notary public.

At closing, you’ll need to cover various fees related to the mortgage and property transfer. Bring a cashier’s check for the down payment and closing costs, as personal checks are typically not accepted. Additionally, have your homeowner's insurance policy, any required flood insurance, and proof of payment on hand.

Your loan generally closes shortly after signing the documents. For owner-occupied refinance loans, federal law provides a 3-day review period after signing before the transaction is finalized.