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Final Walkthrough and Closing

Walkthrough & Closing

“Closing” escrow is the process of finalizing the sale, ultimately transferring ownership of the home from seller to buyer. The final steps to reaching the “closing table” are:

Review the Closing Disclosure

The Closing Disclosure is a 5-page document that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage and purchase the property (closing costs).

Your lender or mortgage broker is required to give you the Closing Disclosure at least three business days before you sign the loan documents. This federally mandated 3-day window allows you time to compare your final terms and costs to those estimated in the Loan Estimate that you previously received from the lender. The three days also gives you time to ask your lender any questions before you go to the closing table.

If you’re making an all-cash purchase, there will not be a closing disclosure, however the escrow agency will prepare a Settlement Statement detailing your closing costs.

Click here to review a Buyer’s Guide to Closing Costs.

Final Walk-through

Before you sign closing documents, you’ll have an opportunity option to conduct a pre-closing walk-through of the property. This is the opportunity to ensure the property is still in the same physical condition as when you executed the purchase contract.

You’ll also confirm any negotiated repairs have been completed, either through your own visual inspection, a professional re-inspection, or by reviewing repair receipts and warranties provided by the seller.

Recording and Closing Escrow

Expect to sign your closing and loan documents the morning of the scheduled closing date, or (ideally) a day or two prior — that’s also the day you’ll bring a certified check or arrange a wire transfer to cover the balance of your down payment and closing costs. On closing day, once all documents are signed by both the buyer and seller, and funds have been received from all sources (you and your lender), the escrow agency will “record” the deed with the county, transferring ownership, and enabling you to take possession of your new home!

Note: In Arizona, “closing” doesn’t officially occur until the deed is recorded by Pima County, which can be anytime between 8:30 a.m. and 5 p.m.. Since you can’t receive keys until the sale is recorded, it’s best to plan movers and other appointments for the day after closing.

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TESTIMONIALS

"As an out-of-state buyer, I needed to find the right person to be my local contact. And Russ was that person. He knows the area and had a lot of patience to show me around. He also did not push his opinion but was willing to give it to me when asked. The end result? With Russ’s help I have purchased the right home in the right area for the right price! I never could have done that without the expertise Russ brings to the process."
- D.H., Mogadore OH
"Anytime, anywhere, he was there, always going the extra mile. He even came to the house and watered trees so they would not die — more then once. He’s what you call real professional, a 10.5 on a 10 scale. I was out of town when the house was listed so he went to the house and did a video. I didn’t see a dishwasher, he said “yes it was there.” That was good enough for me, but he went to house and took picture to show me. He kept me informed every step of the process, and followed-up to ask if I had any questions."
- G.M., Sandpoint ID
"I can’t say enough about what an outstanding job Russ did for us! We decided to retire to AZ and after touring several areas in the state, we chose the Tucson area. I found Russ online and reached out to him to help us find our retirement neighborhood and home. Russ spent a day showing us all of the different neighborhoods in both Sahuarita and Green Valley that met our requirements and were within our budget. By the end of the day, we had chosen four neighborhoods. Russ then found four homes for sale in our chosen neighborhoods; two in our favorite! The next day, Russ took us to tour the four homes and by the end of the second day, we made an offer. We are relocating from Kentucky and Russ has been there for us every single step of the way. He has been invaluable in making this entire experience smooth and exciting for us! His service after the sale has been equally exemplary!"
- E. W., Sahuarita AZ
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Russ Fortuno, Associate Broker

I'm a Southern Arizona native and year-round Green Valley resident. Whether you’re buying or selling a home in the Green Valley or Sahuarita area, you’ll experience unsurpassed service and professionalism at all stages of your real estate transaction. I welcome the opportunity to assist in your next home sale or purchase.
Meet Russ

Tierra Antigua Realty

18745 S. I-19 Frontage Rd., Ste. A105
Green Valley, AZ 85614
(520) 333-0446
Contact Russ

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