A closing for a loan refinance is much like your closing experience when you purchased your home. The lender’s documentation that you must sign will be very similar to your original loan. However, only you, your lender or mortgage broker and the closing attorney will be present for the closing.

Prior to Closing, we will need the following items from you:

1. Your Homeowners/Hazard Insurance policy information
2. Any payoff information on any and all loans secured by your property, including:
1. Social security numbers for all parties on loan;
2. loan account number;
3. lender’s name, address and telephone number;
4. copy of payment coupon or most recent account statement;
3. All relevant information regarding your Homeowners Association, such as contact person, yearly or monthly fees, mailing address, and any amounts paid or due.

On the day of closing please bring these items:

• You and any co-borrowers on the loan. If you are the only person on the loan but your spouse is on the title, your spouse must attend also to execute a few certain documents such as the Security Deed.
• If you owe money, remember to bring certified funds
• Payoff Statements for any other accounts that you are paying off as part of the closing.
• A photo ID is required just as it was with your original loan.
• In the event the amount you owe varies from the amount you prepared to pay, please bring your checkbook.