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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

"Excellent service, he sold the house in 2 days. I will definitely recommend him. He’s so easy to work with and very knowledgeable of the area. "
- D.K., Green Valley AZ
"It’s hard to know where to start. Russ walked on water for us. He must memorize every listing the morning it lists. He knew exactly what we wanted and found our perfect house the morning it came on the market. We came from northern Washington and had already checked several other communities before deciding on this area, and Russ refined our search to meet our needs. Russ was prompt, quick to respond to our phone calls, always kept us in the loop, and just a pleasure to work with. He was on top of every detail and brought us to closing a day early. Yay Russ!"
- C. C., Sahuarita AZ
"Russ was very helpful with respect to the hunt and purchase of my home in Green Valley. I valued his input as far recommending homes and all the additional info as far as resources in the area. He had to deal with me being in Pennsylvania and handling most of the work long distance. He reviewed the potential homes based on my wants/needs and continually send me lists and updates. By the time I got to Arizona on vacation we went thru the list, visited sites and made a choice in one day. I would gladly recommend Russ to any possible client in the future. Can’t thank him enough. "
- M.F., Green Valley 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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