To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. NOTE: Foreclosures and short sales may take longer to close due to seller considerations.The Forbes Advisor editorial team is independent and objective. Once you have the closing costs, get a certified check or a bank check for the amount of your closing costs – we will tell you who the check should be made out to.Look for the closing costs from us within 24 hours before your closing.The closing agent will contact you with a closing date and time, and what you will need to bring to the closing (such as personal identification, check for closing costs, etc.).The closing will take place at the office of a title company or attorney in your area who will act as our agent.Generally, your mortgage will be ready to close in 30-45 days. You will receive the amount of your closing costs within 24 hours before your closing so you can get a certified or bank check for the amount. You will be informed of the time, date and location of your closing. The underwriter receives and reviews all information provided to ensure loan guidelines have been met. You must provide any additional information the bank requests in order to finalize the review process. NOTE: The appraisal process is different if you are building your home. Your home's title will be researched by a title company to be sure that the property is legally cleared for transfer of ownership. The bank arranges an appraisal of your home with a licensed appraiser. A copy of the appraiser's report is given to you once it's reviewed by the underwriter, and the appraisal fee is included in your closing costs. The bank receives the appraiser's report and verifies that your loan amount doesn't exceed the property's value. You may also choose to have additional tests done (air, water, pest, etc.).
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You or your real estate professional will arrange for a home inspection – the inspector will meet you at the property you are purchasing. You will need an inspection of the property you want to purchase. Pay the service provider at the time the service or test is completed. Once we receive all your documentation, we will: Make sure you send us any additional requested information by the date on your conditional approval letter. We will provide you with a Loan Estimate of your closing costs within 3 business days of submitting your application.Call you to review your loan conditions, documentation and next steps.Strive to give you a conditional decision.Within 24 hours of submitting your application, we will: If you're building your home, you'll need a signed construction or purchase contract with your builder or developer You will need a signed purchase and sale agreement to start your application Helps you shop for a home more confidently.You will know your maximum loan amount at the end of your conversation.You provide basic debt, income and asset information we will obtain and review your credit report.You can talk to a mortgage advisor at 1-86 if you have additional questions.You're ready to start the application process.Gather all documentation to show your basic debt, income and assets Figure out your budget and know your expenses
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